Mortgage Rates Today | Housing Market & Fed News – The Rate Update with Dan Frio

Hey — Dan Frio here, licensed mortgage loan officer in all 50 states and Puerto Rico.Today’s market is on the move. We just got fresh economic data — including ADP payroll numbers, retail sales, and manufacturing reports — and the markets are reacting in real time.Stocks are shifting. Bonds are moving. And mortgage rates? They’re responding fast.So the big question is: 👉 Should you LOCK or FLOAT right now?In this live update, I break down: What today’s economic data actually means How it’s impacting mortgage rates RIGHT NOW What I’m watching next (including the President’s speech) And how this affects homebuyers, homeowners, and anyone thinking about refinancing No hype. Just real data — and the WHY behind it.📉 Track Mortgage Rates (FREE) 👉 https://www.therateupdate.com/rate-watch📞 Get a Personalized Mortgage Plan 👉 https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05🏠 Welcome to The Rate UpdateWe break down mortgage rates, inflation, the Federal Reserve, and the bond market — so you can make smarter decisions when buying, refinancing, or timing the housing market.📝 Apply for a Mortgage (30+ Lenders • 1 Credit Pull) 👉 https://257781.my1003app.com/246527/register🧮 Mortgage Calculators & Tools 👉 https://stan.store/TRU-Foundations🧰 TRU Tools & Resources🏠 Homebuyers & Homeowners Credit Monitoring (SmartCredit) 👉 https://www.smartcredit.com/?PID=42980Free Credit Scores (Credit Karma) 👉 https://wecantrack.com/programs/credit-karma-affiliate-program/?utm_source=chatgpt.comFICO Scores (MyFICO) 👉 https://www.myfico.com/?utm_medium=Affiliate&utm_source=RAN&utm_campaign=eY7VEE42Oeg&utm_term=eY7VEE42Oeg-yMKLq._RilXJ8XHzBjtexg&ranMID=53963&ranEAID=eY7VEE42Oeg&ranSiteID=eY7VEE42Oeg-yMKLq._RilXJ8XHzBjtexgBudgeting Tool 👉 https://dashboard.thebudget.app/refferal?ref_code=Dan59062Home Warranty 👉 https://www.jdoqocy.com/click-101566903-12343542📊 Mortgage Pros / Realtors Live MBS & Rate Data 👉 http://www.mbslive.net?rid=GFC7FA🎥 Content Creators / YouTubers Grow on YouTube (vidIQ) 👉 https://vidiq.com/TRUMortgageRateYouTube SEO & Tags (TubeBuddy) 👉 https://www.tubebuddy.com/pricing?a=TheMortgageUpdate📲 Follow The Rate Update:YouTube https://www.youtube.com/@TheRateUpdatewithDanFrioInstagram https://instagram.com/therateupdateTikTok https://tiktok.com/@therateupdate⚖️ Mortgage Compliance DisclosureDan Frio | NMLS #246527 TRU Mortgage Team / PBT Bancorp | NMLS #257781 Equal Housing LenderThe views and opinions expressed are solely those of Dan Frio and do not reflect the views of PBT Bancorp or any other entity.This content is for educational and entertainment purposes only and should not be considered financial, legal, or tax advice. All scenarios are illustrative and subject to change. Please consult a licensed professional regarding your specific situation.⏱ CHAPTERS0:00 Intro — Mortgage Rates Moving NOW 1:15 What Just Hit: ADP Jobs Report 4:30 Retail Sales Breakdown 7:45 Manufacturing Data & Market Reaction 10:30 Stocks, Bonds & Crypto — What’s Moving 14:00 10-Year Treasury & Mortgage Rate Impact 18:30 President Speech — What to Watch 22:00 Lock vs Float Strategy RIGHT NOW 26:00 What Happens Next

Hey — Dan Frio here, licensed mortgage loan officer in all 50 states and Puerto Rico.Today’s market is on the move. We just got fresh economic data — including ADP payroll numbers, retail sales, and manufacturing reports — and the markets are reacting in real time.Stocks are shifting. Bonds are moving. And mortgage rates? They’re responding fast.So the big question is: 👉 Should you LOCK or FLOAT right now?In this live update, I break down: What today’s economic data actually means How it’s impacting mortgage rates RIGHT NOW What I’m watching next (including the President’s speech) And how this affects homebuyers, homeowners, and anyone thinking about refinancing No hype. Just real data — and the WHY behind it.📉 Track Mortgage Rates (FREE) 👉 https://www.therateupdate.com/rate-watch📞 Get a Personalized Mortgage Plan 👉 https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05🏠 Welcome to The Rate UpdateWe break down mortgage rates, inflation, the Federal Reserve, and the bond market — so you can make smarter decisions when buying, refinancing, or timing the housing market.📝 Apply for a Mortgage (30+ Lenders • 1 Credit Pull) 👉 https://257781.my1003app.com/246527/register🧮 Mortgage Calculators & Tools 👉 https://stan.store/TRU-Foundations🧰 TRU Tools & Resources🏠 Homebuyers & Homeowners Credit Monitoring (SmartCredit) 👉 https://www.smartcredit.com/?PID=42980Free Credit Scores (Credit Karma) 👉 https://wecantrack.com/programs/credit-karma-affiliate-program/?utm_source=chatgpt.comFICO Scores (MyFICO) 👉 https://www.myfico.com/?utm_medium=Affiliate&utm_source=RAN&utm_campaign=eY7VEE42Oeg&utm_term=eY7VEE42Oeg-yMKLq._RilXJ8XHzBjtexg&ranMID=53963&ranEAID=eY7VEE42Oeg&ranSiteID=eY7VEE42Oeg-yMKLq._RilXJ8XHzBjtexgBudgeting Tool 👉 https://dashboard.thebudget.app/refferal?ref_code=Dan59062Home Warranty 👉 https://www.jdoqocy.com/click-101566903-12343542📊 Mortgage Pros / Realtors Live MBS & Rate Data 👉 http://www.mbslive.net?rid=GFC7FA🎥 Content Creators / YouTubers Grow on YouTube (vidIQ) 👉 https://vidiq.com/TRUMortgageRateYouTube SEO & Tags (TubeBuddy) 👉 https://www.tubebuddy.com/pricing?a=TheMortgageUpdate📲 Follow The Rate Update:YouTube https://www.youtube.com/@TheRateUpdatewithDanFrioInstagram https://instagram.com/therateupdateTikTok https://tiktok.com/@therateupdate⚖️ Mortgage Compliance DisclosureDan Frio | NMLS #246527 TRU Mortgage Team / PBT Bancorp | NMLS #257781 Equal Housing LenderThe views and opinions expressed are solely those of Dan Frio and do not reflect the views of PBT Bancorp or any other entity.This content is for educational and entertainment purposes only and should not be considered financial, legal, or tax advice. All scenarios are illustrative and subject to change. Please consult a licensed professional regarding your specific situation.⏱ CHAPTERS0:00 Intro — Mortgage Rates Moving NOW 1:15 What Just Hit: ADP Jobs Report 4:30 Retail Sales Breakdown 7:45 Manufacturing Data & Market Reaction 10:30 Stocks, Bonds & Crypto — What’s Moving 14:00 10-Year Treasury & Mortgage Rate Impact 18:30 President Speech — What to Watch 22:00 Lock vs Float Strategy RIGHT NOW 26:00 What Happens Next

🚨 LIVE: Mortgage Rates Are Moving — What Should YOU Do Right Now?Mortgage rates are shifting again — and the housing market is reacting fast.So the real question is… 👉 Do you buy now, refinance, or wait this out?In today’s live stream, we break down: What’s happening with mortgage rates RIGHT NOW What’s driving the market (bonds, inflation, Fed, global events) What I’m watching next And most importantly… what YOU should do based on today’s market 🏠 Homebuyers — timing is everything 💰 Homeowners — this could be your opportunity (or your warning)👉 Join me live and let’s walk through it together so you can make the smartest move possible.📉 Track Mortgage Rates (FREE)👉 https://www.therateupdate.com/rate-watch📞 Get a Personalized Mortgage Plan 👉 https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05📝 Apply (1 Application • 1 Credit Pull • 30+ Lenders) 👉 https://257781.my1003app.com/246527/register🧮 TRU Mortgage Calculator Toolkit 👉 https://stan.store/TRU-Foundations🎥 What We Cover Today Mortgage Rates Update Housing Market Trends Inflation + Federal Reserve Outlook Bond Market (10-Year Treasury & MBS) Lock vs Float Strategy Real-Time Market Insights ⏱ CHAPTERS00:00 — Intro: What Just Happened 01:15 — Mortgage Rates Right Now 03:30 — What’s Driving Rates (Fed, Inflation, Bonds) 06:00 — Housing Market Update 08:30 — Buy Now or Wait? 11:00 — Refinance Opportunity Breakdown 13:30 — What I’m Watching Next 15:30 — Lock vs Float Strategy 17:30 — Live Q&A📊 Mortgage Pros / RealtorsLive MBS & Rate Data 👉 http://www.mbslive.net?rid=GFC7FA🧰 Budgeting Tool👉 https://dashboard.thebudget.app/refferal?ref_code=Dan59062🏠 Home Warranty 👉 https://www.jdoqocy.com/click-101566903-12343542🎥 Content Creators / YouTubersGrow on YouTube (vidIQ) 👉 https://vidiq.com/TRUMortgageRateYouTube SEO & Tags (TubeBuddy) 👉 https://www.tubebuddy.com/pricing?a=TheMortgageUpdate📲 Follow The Rate UpdateYouTube https://www.youtube.com/@TheRateUpdatewithDanFrioInstagram https://instagram.com/therateupdateTikTok https://tiktok.com/@therateupdate⚠️ ComplianceDan Frio | NMLS #246527 TRU Mortgage Team / PBT Bancorp | NMLS #257781 Equal Housing LenderThe views and opinions expressed are solely those of Dan Frio and do not reflect the views of PBT Bancorp or any other entity.This content is for educational and entertainment purposes only and should not be considered financial advice.

🚨 LIVE: Mortgage Rates Are Moving — What Should YOU Do Right Now?Mortgage rates are shifting again — and the housing market is reacting fast.So the real question is… 👉 Do you buy now, refinance, or wait this out?In today’s live stream, we break down: What’s happening with mortgage rates RIGHT NOW What’s driving the market (bonds, inflation, Fed, global events) What I’m watching next And most importantly… what YOU should do based on today’s market 🏠 Homebuyers — timing is everything 💰 Homeowners — this could be your opportunity (or your warning)👉 Join me live and let’s walk through it together so you can make the smartest move possible.📉 Track Mortgage Rates (FREE)👉 https://www.therateupdate.com/rate-watch📞 Get a Personalized Mortgage Plan 👉 https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05📝 Apply (1 Application • 1 Credit Pull • 30+ Lenders) 👉 https://257781.my1003app.com/246527/register🧮 TRU Mortgage Calculator Toolkit 👉 https://stan.store/TRU-Foundations🎥 What We Cover Today Mortgage Rates Update Housing Market Trends Inflation + Federal Reserve Outlook Bond Market (10-Year Treasury & MBS) Lock vs Float Strategy Real-Time Market Insights ⏱ CHAPTERS00:00 — Intro: What Just Happened 01:15 — Mortgage Rates Right Now 03:30 — What’s Driving Rates (Fed, Inflation, Bonds) 06:00 — Housing Market Update 08:30 — Buy Now or Wait? 11:00 — Refinance Opportunity Breakdown 13:30 — What I’m Watching Next 15:30 — Lock vs Float Strategy 17:30 — Live Q&A📊 Mortgage Pros / RealtorsLive MBS & Rate Data 👉 http://www.mbslive.net?rid=GFC7FA🧰 Budgeting Tool👉 https://dashboard.thebudget.app/refferal?ref_code=Dan59062🏠 Home Warranty 👉 https://www.jdoqocy.com/click-101566903-12343542🎥 Content Creators / YouTubersGrow on YouTube (vidIQ) 👉 https://vidiq.com/TRUMortgageRateYouTube SEO & Tags (TubeBuddy) 👉 https://www.tubebuddy.com/pricing?a=TheMortgageUpdate📲 Follow The Rate UpdateYouTube https://www.youtube.com/@TheRateUpdatewithDanFrioInstagram https://instagram.com/therateupdateTikTok https://tiktok.com/@therateupdate⚠️ ComplianceDan Frio | NMLS #246527 TRU Mortgage Team / PBT Bancorp | NMLS #257781 Equal Housing LenderThe views and opinions expressed are solely those of Dan Frio and do not reflect the views of PBT Bancorp or any other entity.This content is for educational and entertainment purposes only and should not be considered financial advice.

Hey — Dan Frio here, licensed mortgage loan officer in all 50 states and Puerto Rico.My goal is simple: help you understand mortgage rates — and more importantly, the WHY behind what’s happening.Today, we’re breaking down a critical shift in the market:👉 Economic indicators are flashing warning signs for mortgage ratesFrom rising oil prices… to persistent inflation concerns… to a Federal Reserve that may delay rate cuts — all of this is putting upward pressure on mortgage rates right now.So the big question is:👉 Should you LOCK or FLOAT in today’s market?I’ll walk you through:What’s happening with inflation and oilWhy the 10-Year Treasury is risingHow the Fed is reactingAnd what it means for homebuyers and homeowners right now📉 Track Mortgage Rates (FREE)👉 https://www.therateupdate.com/rate-watch📞 Get a Personalized Mortgage Plan👉 https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05Welcome to The Rate UpdateWe break down mortgage rates, inflation, the Federal Reserve, and the bond market — so you can make smarter decisions when buying, refinancing, or timing the housing market.No hype. Just real data.📝 Apply for a Mortgage (30+ Lenders • 1 Credit Pull)👉 https://257781.my1003app.com/246527/register🧮 Mortgage Calculators & Tools👉 https://stan.store/TRU-Foundations🧰 TRU Tools & Resources🏠 Homebuyers & HomeownersCredit Monitoring (SmartCredit)👉 https://www.smartcredit.com/?PID=42980Free Credit Scores (Credit Karma)👉 https://wecantrack.com/programs/credit-karma-affiliate-program/?utm_source=chatgpt.comFICO Scores (MyFICO)👉 https://www.myfico.com/?utm_medium=Affiliate&utm_source=RAN&utm_campaign=eY7VEE42Oeg&utm_term=eY7VEE42Oeg-yMKLq._RilXJ8XHzBjtexg&ranMID=53963&ranEAID=eY7VEE42Oeg&ranSiteID=eY7VEE42Oeg-yMKLq._RilXJ8XHzBjtexgBudgeting Tool👉 https://dashboard.thebudget.app/refferal?ref_code=Dan59062Home Warranty👉 https://www.jdoqocy.com/click-101566903-12343542📊 Mortgage Pros / RealtorsLive MBS & Rate Data👉 http://www.mbslive.net?rid=GFC7FA🎥 Content Creators / YouTubersGrow on YouTube (vidIQ)👉 https://vidiq.com/TRUMortgageRateYouTube SEO & Tags (TubeBuddy)👉 https://www.tubebuddy.com/pricing?a=TheMortgageUpdate🔎 Keywords (SEO Boost)mortgage rates today, why mortgage rates are rising, inflation and mortgage rates, Federal Reserve rate policy, housing market 2026, should I lock or float, 10 year treasury yield, oil prices and inflation, home buying 2026, refinance strategy⏱️ Chapters (9-Minute Video)00:00 Intro — What’s Moving Rates Today00:45 Economic Warning Signs02:00 Oil & Inflation Impact03:30 10-Year Treasury Explained05:00 Federal Reserve Outlook06:30 Mortgage Rate Forecast07:45 Lock vs Float Strategy08:45 Final Advice📲 Follow The Rate UpdateYouTubehttps://www.youtube.com/@TheRateUpdatewithDanFrioInstagramhttps://instagram.com/therateupdateTikTokhttps://tiktok.com/@therateupdate⚖️ Mortgage Compliance DisclosureDan Frio | NMLS #246527TRU Mortgage Team / PBT Bancorp | NMLS #257781Equal Housing LenderThe views and opinions expressed are solely those of Dan Frio and do not reflect the views of PBT Bancorp or any other entity.This content is for educational and entertainment purposes only and should not be considered financial, legal, or tax advice. All scenarios are illustrative and subject to change. Please consult a licensed professional regarding your specific situation.

Hey — Dan Frio here, licensed mortgage loan officer in all 50 states and Puerto Rico.My goal is simple: help you understand mortgage rates — and more importantly, the WHY behind what’s happening.Today we break down WHY and answer the big question:👉 Should you LOCK or FLOAT right now?📉 Track Mortgage Rates (FREE)👉 https://www.therateupdate.com/rate-watch📞 Get a Personalized Mortgage Plan👉 https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05Welcome to The Rate UpdateWe break down mortgage rates, inflation, the Federal Reserve, and the bond market — so you can make smarter decisions when buying, refinancing, or timing the housing market.No hype. Just real data.📝 Apply for a Mortgage (30+ Lenders • 1 Credit Pull)👉 https://257781.my1003app.com/246527/register🧮 Mortgage Calculators & Tools👉 https://stan.store/TRU-Foundations🧰 TRU Tools & Resources🏠 Homebuyers & HomeownersCredit Monitoring (SmartCredit)👉 https://www.smartcredit.com/?PID=42980Free Credit Scores (Credit Karma)👉 https://wecantrack.com/programs/credit-karma-affiliate-program/?utm_source=chatgpt.comFICO Scores (MyFICO)👉 https://www.myfico.com/?utm_medium=Affiliate&utm_source=RAN&utm_campaign=eY7VEE42Oeg&utm_term=eY7VEE42Oeg-yMKLq._RilXJ8XHzBjtexg&ranMID=53963&ranEAID=eY7VEE42Oeg&ranSiteID=eY7VEE42Oeg-yMKLq._RilXJ8XHzBjtexgBudgeting Tool👉 https://dashboard.thebudget.app/refferal?ref_code=Dan59062Home Warranty👉 https://www.jdoqocy.com/click-101566903-12343542📊 Mortgage Pros / RealtorsLive MBS & Rate Data👉 http://www.mbslive.net?rid=GFC7FA🎥 Content Creators / YouTubersGrow on YouTube (vidIQ)👉 https://vidiq.com/TRUMortgageRateYouTube SEO & Tags (TubeBuddy)👉 https://www.tubebuddy.com/pricing?a=TheMortgageUpdateFollow The Rate Update:YouTubehttps://www.youtube.com/@TheRateUpdatewithDanFrioInstagramhttps://instagram.com/therateupdateTikTokhttps://tiktok.com/@therateupdate⚖️ Mortgage Compliance DisclosureDan Frio | NMLS #246527TRU Mortgage Team / PBT Bancorp | NMLS #257781Equal Housing LenderThe views and opinions expressed are solely those of Dan Frio and do not reflect the views of PBT Bancorp or any other entity.This content is for educational and entertainment purposes only and should not be considered financial, legal, or tax advice. All scenarios are illustrative and subject to change. Please consult a licensed professional regarding your specific situation.

Hey — Dan Frio here, licensed mortgage loan officer in all 50 states and Puerto Rico.My goal is simple: help you understand mortgage rates — and more importantly, the WHY behind what’s happening.Today we break down WHY and answer the big question:👉 Should you LOCK or FLOAT right now?📉 Track Mortgage Rates (FREE)👉 https://www.therateupdate.com/rate-watch📞 Get a Personalized Mortgage Plan👉 https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05Welcome to The Rate UpdateWe break down mortgage rates, inflation, the Federal Reserve, and the bond market — so you can make smarter decisions when buying, refinancing, or timing the housing market.No hype. Just real data.📝 Apply for a Mortgage (30+ Lenders • 1 Credit Pull)👉 https://257781.my1003app.com/246527/register🧮 Mortgage Calculators & Tools👉 https://stan.store/TRU-Foundations🧰 TRU Tools & Resources🏠 Homebuyers & HomeownersCredit Monitoring (SmartCredit)👉 https://www.smartcredit.com/?PID=42980Free Credit Scores (Credit Karma)👉 https://wecantrack.com/programs/credit-karma-affiliate-program/?utm_source=chatgpt.comFICO Scores (MyFICO)👉 https://www.myfico.com/?utm_medium=Affiliate&utm_source=RAN&utm_campaign=eY7VEE42Oeg&utm_term=eY7VEE42Oeg-yMKLq._RilXJ8XHzBjtexg&ranMID=53963&ranEAID=eY7VEE42Oeg&ranSiteID=eY7VEE42Oeg-yMKLq._RilXJ8XHzBjtexgBudgeting Tool👉 https://dashboard.thebudget.app/refferal?ref_code=Dan59062Home Warranty👉 https://www.jdoqocy.com/click-101566903-12343542📊 Mortgage Pros / RealtorsLive MBS & Rate Data👉 http://www.mbslive.net?rid=GFC7FA🎥 Content Creators / YouTubersGrow on YouTube (vidIQ)👉 https://vidiq.com/TRUMortgageRateYouTube SEO & Tags (TubeBuddy)👉 https://www.tubebuddy.com/pricing?a=TheMortgageUpdateFollow The Rate Update:YouTubehttps://www.youtube.com/@TheRateUpdatewithDanFrioInstagramhttps://instagram.com/therateupdateTikTokhttps://tiktok.com/@therateupdate⚖️ Mortgage Compliance DisclosureDan Frio | NMLS #246527TRU Mortgage Team / PBT Bancorp | NMLS #257781Equal Housing LenderThe views and opinions expressed are solely those of Dan Frio and do not reflect the views of PBT Bancorp or any other entity.This content is for educational and entertainment purposes only and should not be considered financial, legal, or tax advice. All scenarios are illustrative and subject to change. Please consult a licensed professional regarding your specific situation.

Hey — Dan Frio here, licensed mortgage loan officer in all 50 states and Puerto Rico.My goal is simple: help you understand mortgage rates — and more importantly, the WHY behind what’s happening.Today we break down WHY and answer the big question:👉 Should you LOCK or FLOAT right now?📉 Track Mortgage Rates (FREE)👉 https://www.therateupdate.com/rate-watch📞 Get a Personalized Mortgage Plan👉 https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05Welcome to The Rate UpdateWe break down mortgage rates, inflation, the Federal Reserve, and the bond market — so you can make smarter decisions when buying, refinancing, or timing the housing market.No hype. Just real data.📝 Apply for a Mortgage (30+ Lenders • 1 Credit Pull)👉 https://257781.my1003app.com/246527/register🧮 Mortgage Calculators & Tools👉 https://stan.store/TRU-Foundations🧰 TRU Tools & Resources🏠 Homebuyers & HomeownersCredit Monitoring (SmartCredit)👉 https://www.smartcredit.com/?PID=42980Free Credit Scores (Credit Karma)👉 https://wecantrack.com/programs/credit-karma-affiliate-program/?utm_source=chatgpt.comFICO Scores (MyFICO)👉 https://www.myfico.com/?utm_medium=Affiliate&utm_source=RAN&utm_campaign=eY7VEE42Oeg&utm_term=eY7VEE42Oeg-yMKLq._RilXJ8XHzBjtexg&ranMID=53963&ranEAID=eY7VEE42Oeg&ranSiteID=eY7VEE42Oeg-yMKLq._RilXJ8XHzBjtexgBudgeting Tool👉 https://dashboard.thebudget.app/refferal?ref_code=Dan59062Home Warranty👉 https://www.jdoqocy.com/click-101566903-12343542📊 Mortgage Pros / RealtorsLive MBS & Rate Data👉 http://www.mbslive.net?rid=GFC7FA🎥 Content Creators / YouTubersGrow on YouTube (vidIQ)👉 https://vidiq.com/TRUMortgageRateYouTube SEO & Tags (TubeBuddy)👉 https://www.tubebuddy.com/pricing?a=TheMortgageUpdateFollow The Rate Update:YouTubehttps://www.youtube.com/@TheRateUpdatewithDanFrioInstagramhttps://instagram.com/therateupdateTikTokhttps://tiktok.com/@therateupdate⚖️ Mortgage Compliance DisclosureDan Frio | NMLS #246527TRU Mortgage Team / PBT Bancorp | NMLS #257781Equal Housing LenderThe views and opinions expressed are solely those of Dan Frio and do not reflect the views of PBT Bancorp or any other entity.This content is for educational and entertainment purposes only and should not be considered financial, legal, or tax advice. All scenarios are illustrative and subject to change. Please consult a licensed professional regarding your specific situation.

Hey — Dan Frio here, licensed mortgage loan officer in all 50 states and Puerto Rico.My goal is simple: help you understand mortgage rates — and more importantly, the WHY behind what’s happening.🚨 Oil Prices Just Hit $100+ — What This Means for Mortgage RatesOil is spiking.Geopolitical tensions are rising.And mortgage rates are reacting — fast.In today’s update, we break down:👉 Why oil prices directly impact mortgage rates👉 How the Iran conflict is influencing inflation expectations👉 Why the bond market is starting to sell off👉 Whether mortgage rates could push back to 7%👉 The BIG question: Should you LOCK or FLOAT right now?📉 Track Mortgage Rates (FREE — Get Alerts When Rates Drop)👉 https://www.therateupdate.com/rate-watch📞 Want a Personalized Mortgage Strategy?👉 https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05📝 Apply Now (1 Application • 1 Credit Pull • 30+ Lenders)👉 https://257781.my1003app.com/246527/register🧮 TRU Mortgage Calculator Toolkit👉 https://stan.store/TRU-Foundations🧠 What You’ll Learn in This Video✔️ The connection between oil, inflation, and mortgage rates✔️ Why the 10-year Treasury is the key driver✔️ How global conflict impacts YOUR mortgage payment✔️ Real-time strategy for buyers, refinancers, and homeowners✔️ When it makes sense to lock your rate vs. float⏱️ Chapters00:00 – Oil Prices Surge Past $10001:10 – Why Oil Drives Inflation02:30 – Bond Market Reaction Explained04:00 – Mortgage Rates Moving Higher05:30 – Could Rates Hit 7%?07:00 – Lock vs Float Strategy08:30 – What You Should Do Next📊 Tools, Resources & AffiliatesBudgeting Tool👉 https://dashboard.thebudget.app/refferal?ref_code=Dan59062Home Warranty👉 https://www.jdoqocy.com/click-101566903-12343542📊 Mortgage Pros / RealtorsLive MBS & Rate Data👉 http://www.mbslive.net?rid=GFC7FA🎥 Content Creators / YouTubersGrow on YouTube (vidIQ)👉 https://vidiq.com/TRUMortgageRateYouTube SEO & Tags (TubeBuddy)👉 https://www.tubebuddy.com/pricing?a=TheMortgageUpdate📲 Follow The Rate UpdateYouTubehttps://www.youtube.com/@TheRateUpdatewithDanFrioInstagramhttps://instagram.com/therateupdateTikTokhttps://tiktok.com/@therateupdate⚖️ Mortgage Compliance DisclosureDan Frio | NMLS #246527TRU Mortgage Team / PBT Bancorp | NMLS #257781Equal Housing LenderThe views and opinions expressed are solely those of Dan Frio and do not reflect the views of PBT Bancorp or any other entity.This content is for educational and entertainment purposes only and should not be considered financial, legal, or tax advice. All scenarios are illustrative and subject to change. Please consult a licensed professional regarding your specific situation.

Hey — Dan Frio here, licensed mortgage loan officer in all 50 states and Puerto Rico.My goal is simple: help you understand mortgage rates — and more importantly, the WHY behind what’s happening.Today we break down WHY and answer the big question:👉 Should you LOCK or FLOAT right now?📉 Track Mortgage Rates (FREE)👉 https://www.therateupdate.com/rate-watch📞 Get a Personalized Mortgage Plan👉 https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05Welcome to The Rate UpdateWe break down mortgage rates, inflation, the Federal Reserve, and the bond market — so you can make smarter decisions when buying, refinancing, or timing the housing market.No hype. Just real data.📝 Apply for a Mortgage (30+ Lenders • 1 Credit Pull)👉 https://257781.my1003app.com/246527/register🧮 Mortgage Calculators & Tools👉 https://stan.store/TRU-Foundations🧰 TRU Tools & Resources🏠 Homebuyers & HomeownersCredit Monitoring (SmartCredit)👉 https://www.smartcredit.com/?PID=42980Free Credit Scores (Credit Karma)👉 https://wecantrack.com/programs/credit-karma-affiliate-program/?utm_source=chatgpt.comFICO Scores (MyFICO)👉 https://www.myfico.com/?utm_medium=Affiliate&utm_source=RAN&utm_campaign=eY7VEE42Oeg&utm_term=eY7VEE42Oeg-yMKLq._RilXJ8XHzBjtexg&ranMID=53963&ranEAID=eY7VEE42Oeg&ranSiteID=eY7VEE42Oeg-yMKLq._RilXJ8XHzBjtexgBudgeting Tool👉 https://dashboard.thebudget.app/refferal?ref_code=Dan59062Home Warranty👉 https://www.jdoqocy.com/click-101566903-12343542📊 Mortgage Pros / RealtorsLive MBS & Rate Data👉 http://www.mbslive.net?rid=GFC7FA🎥 Content Creators / YouTubersGrow on YouTube (vidIQ)👉 https://vidiq.com/TRUMortgageRateYouTube SEO & Tags (TubeBuddy)👉 https://www.tubebuddy.com/pricing?a=TheMortgageUpdateFollow The Rate Update:YouTubehttps://www.youtube.com/@TheRateUpdatewithDanFrioInstagramhttps://instagram.com/therateupdateTikTokhttps://tiktok.com/@therateupdate⚖️ Mortgage Compliance DisclosureDan Frio | NMLS #246527TRU Mortgage Team / PBT Bancorp | NMLS #257781Equal Housing LenderThe views and opinions expressed are solely those of Dan Frio and do not reflect the views of PBT Bancorp or any other entity.This content is for educational and entertainment purposes only and should not be considered financial, legal, or tax advice. All scenarios are illustrative and subject to change. Please consult a licensed professional regarding your specific situation.

Hey — Dan Frio here, licensed mortgage loan officer in all 50 states and Puerto Rico.My goal is simple: help you understand mortgage rates — and more importantly, the WHY behind what’s happening.Today we break down WHY and answer the big question:👉 Should you LOCK or FLOAT right now?📉 Track Mortgage Rates (FREE)👉 https://www.therateupdate.com/rate-watch📞 Get a Personalized Mortgage Plan👉 https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05Welcome to The Rate UpdateWe break down mortgage rates, inflation, the Federal Reserve, and the bond market — so you can make smarter decisions when buying, refinancing, or timing the housing market.No hype. Just real data.📝 Apply for a Mortgage (30+ Lenders • 1 Credit Pull)👉 https://257781.my1003app.com/246527/register🧮 Mortgage Calculators & Tools👉 https://stan.store/TRU-Foundations🧰 TRU Tools & Resources🏠 Homebuyers & HomeownersCredit Monitoring (SmartCredit)👉 https://www.smartcredit.com/?PID=42980Free Credit Scores (Credit Karma)👉 https://wecantrack.com/programs/credit-karma-affiliate-program/?utm_source=chatgpt.comFICO Scores (MyFICO)👉 https://www.myfico.com/?utm_medium=Affiliate&utm_source=RAN&utm_campaign=eY7VEE42Oeg&utm_term=eY7VEE42Oeg-yMKLq._RilXJ8XHzBjtexg&ranMID=53963&ranEAID=eY7VEE42Oeg&ranSiteID=eY7VEE42Oeg-yMKLq._RilXJ8XHzBjtexgBudgeting Tool👉 https://dashboard.thebudget.app/refferal?ref_code=Dan59062Home Warranty👉 https://www.jdoqocy.com/click-101566903-12343542📊 Mortgage Pros / RealtorsLive MBS & Rate Data👉 http://www.mbslive.net?rid=GFC7FA🎥 Content Creators / YouTubersGrow on YouTube (vidIQ)👉 https://vidiq.com/TRUMortgageRateYouTube SEO & Tags (TubeBuddy)👉 https://www.tubebuddy.com/pricing?a=TheMortgageUpdateFollow The Rate Update:YouTubehttps://www.youtube.com/@TheRateUpdatewithDanFrioInstagramhttps://instagram.com/therateupdateTikTokhttps://tiktok.com/@therateupdate⚖️ Mortgage Compliance DisclosureDan Frio | NMLS #246527TRU Mortgage Team / PBT Bancorp | NMLS #257781Equal Housing LenderThe views and opinions expressed are solely those of Dan Frio and do not reflect the views of PBT Bancorp or any other entity.This content is for educational and entertainment purposes only and should not be considered financial, legal, or tax advice. All scenarios are illustrative and subject to change. Please consult a licensed professional regarding your specific situation.

Hey — Dan Frio here, licensed mortgage loan officer in all 50 states and Puerto Rico.🚨 Mortgage rates are no longer just about the Fed… they’re now tied to OIL.With rising tensions involving Iran and potential disruption in the Strait of Hormuz, oil prices are spiking — and that creates inflation pressure almost immediately.And when inflation rises…👉 the bond market reacts👉 the 10-Year Treasury moves👉 mortgage rates followSo the real question is:👉 Are mortgage rates about to spike next?👉 And more importantly… should you LOCK or FLOAT right now?In today’s video, we break it all down in simple terms:• Why oil prices are now driving mortgage rates• What the Iran conflict means for inflation• How the bond market is reacting right now• A real strategy to time your mortgage (without guessing)📉 Track Mortgage Rates (FREE — Set Your Target & Get Alerts)👉 https://www.therateupdate.com/rate-watch📞 Get a Personalized Mortgage Plan (Lock vs Float Strategy)👉 https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05Welcome to The Rate UpdateWe break down mortgage rates, inflation, the Federal Reserve, and the bond market — so you can make smarter decisions when buying, refinancing, or timing the housing market.No hype. Just real data.📝 Apply for a Mortgage (1 Application • 1 Credit Pull • 30+ Lenders)👉 https://257781.my1003app.com/246527/register🧮 TRU Mortgage Calculator Toolkit👉 https://stan.store/TRU-Foundations🧰 TRU Tools & Resources🏠 Homebuyers & HomeownersCredit Monitoring (SmartCredit)👉 https://www.smartcredit.com/?PID=42980Free Credit Scores (Credit Karma)👉 https://wecantrack.com/programs/credit-karma-affiliate-program/?utm_source=chatgpt.comFICO Scores (MyFICO)👉 https://www.myfico.com/?utm_medium=Affiliate&utm_source=RAN&utm_campaign=eY7VEE42Oeg&utm_term=eY7VEE42Oeg-yMKLq._RilXJ8XHzBjtexg&ranMID=53963&ranEAID=eY7VEE42Oeg&ranSiteID=eY7VEE42Oeg-yMKLq._RilXJ8XHzBjtexgBudgeting Tool👉 https://dashboard.thebudget.app/refferal?ref_code=Dan59062Home Warranty👉 https://www.jdoqocy.com/click-101566903-12343542📊 Mortgage Pros / RealtorsLive MBS & Rate Data👉 http://www.mbslive.net?rid=GFC7FA🎥 Content Creators / YouTubersGrow on YouTube (vidIQ)👉 https://vidiq.com/TRUMortgageRateYouTube SEO & Tags (TubeBuddy)👉 https://www.tubebuddy.com/pricing?a=TheMortgageUpdate🔍 SEO Keywordsmortgage rates today, oil prices mortgage rates, Iran conflict oil impact, Strait of Hormuz oil supply, inflation and mortgage rates, why mortgage rates are rising, 10 year treasury mortgage rates, bond market mortgage rates, housing market update 2026, mortgage rate forecast 2026, should I lock or float mortgage rate, refinance timing strategy, federal reserve interest rates 2026, oil prices inflation connection, global conflict economy impact, home buying 2026 outlook, mortgage predictions today, real estate market update, when will mortgage rates drop, best time to refinance mortgage🔥 Hashtags#MortgageRates #HousingMarket #RealEstate #InterestRates #FederalReserve #Inflation #OilPrices #BreakingNews #MortgageAdvice #Refinance #HomeBuying #10YearTreasury #BondMarket #RateWatch #TheRateUpdate #DanFrio⏱️ Chapters (9-Minute Breakdown)0:00 🚨 Oil Spike Alert — Why This Matters0:30 🌍 Iran Conflict & Strait of Hormuz Explained1:20 🛢️ Why Oil Prices Drive Inflation2:30 📈 Inflation → Bond Market → Mortgage Rates3:45 📊 What the 10-Year Treasury Is Doing5:00 🏠 Why Mortgage Rates Could Move Next6:15 🔍 Payment Impact from Rate Changes7:15 ⚖️ Lock vs Float Strategy Right Now8:20 🎯 How to Track Your Target Rate (RateWatch)9:00 🔚 Final Thoughts — Don’t Guess, Track It⚖️ Mortgage Compliance DisclosureDan Frio | NMLS #246527TRU Mortgage Team / PBT Bancorp | NMLS #257781Equal Housing LenderThe views and opinions expressed are solely those of Dan Frio and do not reflect the views of PBT Bancorp or any other entity.This content is for educational and entertainment purposes only and should not be considered financial, legal, or tax advice. All scenarios are illustrative and subject to change. Please consult a licensed professional regarding your specific situation.

Hey — Dan Frio here, licensed mortgage loan officer in all 50 states and Puerto Rico.My goal is simple: help you understand mortgage rates — and more importantly, the WHY behind what’s happening.Today we break down WHY and answer the big question:👉 Should you LOCK or FLOAT right now?👇 Get notified the SECOND rates hit your targethttps://www.therateupdate.com/rate-watch📞 Want a personalized mortgage strategy?https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05Welcome to The Rate Update.We break down mortgage rates, inflation, the Federal Reserve, and the bond market — so you can make smarter decisions when buying, refinancing, or timing the housing market.No hype. Just real data.📝 Apply (1 Application • 1 Credit Pull • 30+ Lenders)https://257781.my1003app.com/246527/register🧮 TRU Mortgage Calculator Toolkithttps://stan.store/TRU-FoundationsFollow The Rate Update:YouTube https://www.youtube.com/@TheRateUpdatewithDanFrioInstagram https://instagram.com/therateupdateTikTok https://tiktok.com/@therateupdate⚖️ Mortgage Compliance Disclosure Dan Frio | NMLS #246527 TRU Mortgage Team / PBT Bancorp | NMLS #257781 Equal Housing Lender The views and opinions expressed are solely those of Dan Frio and do not reflect the views of PBT Bancorp or any other entity. This content is for educational and entertainment purposes only and should not be considered financial, legal, or tax advice. All scenarios are illustrative and subject to change. Please consult a licensed professional regarding your specific situation.

Hey — Dan Frio here, licensed mortgage loan officer in all 50 states and Puerto Rico.Mortgage rates just made a massive move — 5.99% to 6.5% in just DAYS… and it’s NOT random.Here’s what’s driving it:👉 Oil prices surging👉 Inflation fears rising👉 Global tensions escalating (Strait of Hormuz risk)And now we have a 5-DAY WINDOW that could change everything.If oil spikes → inflation rises → mortgage rates go HIGHERIf tensions ease → markets rally → rates could DROP FASTThis is one of those rare “lock vs float” moments where timing matters.Today, I break down exactly what’s happening — and what YOU should be watching next.👇 Get notified the SECOND rates hit your targethttps://www.therateupdate.com/rate-watch📞 Want a personalized mortgage strategy?https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05Welcome to The Rate Update.We break down mortgage rates, inflation, the Federal Reserve, and the bond market — so you can make smarter decisions when buying, refinancing, or timing the housing market.No hype. Just real data.📝 Apply (1 Application • 1 Credit Pull • 30+ Lenders)https://257781.my1003app.com/246527/register🧮 TRU Mortgage Calculator Toolkithttps://stan.store/TRU-FoundationsFollow The Rate Update:YouTubehttps://www.youtube.com/@TheRateUpdatewithDanFrioInstagramhttps://instagram.com/therateupdateTikTokhttps://tiktok.com/@therateupdate⚖️ Mortgage Compliance DisclosureDan Frio | NMLS #246527TRU Mortgage Team / PBT Bancorp | NMLS #257781Equal Housing LenderThe views and opinions expressed are solely those of Dan Frio and do not reflect the views of PBT Bancorp or any other entity.This content is for educational and entertainment purposes only and should not be considered financial, legal, or tax advice. All scenarios are illustrative and subject to change. Please consult a licensed professional regarding your specific situation.

Hey — Dan Frio here, licensed mortgage loan officer in all 50 states and Puerto Rico.My goal is simple: help you understand mortgage rates — and more importantly, the WHY behind what’s happening.Today we break down WHY and answer the big question:👉 Should you LOCK or FLOAT right now?👇 Get notified the SECOND rates hit your targethttps://www.therateupdate.com/rate-watch📞 Want a personalized mortgage strategy?https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05Welcome to The Rate Update.We break down mortgage rates, inflation, the Federal Reserve, and the bond market — so you can make smarter decisions when buying, refinancing, or timing the housing market.No hype. Just real data.📝 Apply (1 Application • 1 Credit Pull • 30+ Lenders)https://257781.my1003app.com/246527/register🧮 TRU Mortgage Calculator Toolkithttps://stan.store/TRU-FoundationsFollow The Rate Update:YouTube https://www.youtube.com/@TheRateUpdatewithDanFrioInstagram https://instagram.com/therateupdateTikTok https://tiktok.com/@therateupdate⚖️ Mortgage Compliance Disclosure Dan Frio | NMLS #246527 TRU Mortgage Team / PBT Bancorp | NMLS #257781 Equal Housing Lender The views and opinions expressed are solely those of Dan Frio and do not reflect the views of PBT Bancorp or any other entity. This content is for educational and entertainment purposes only and should not be considered financial, legal, or tax advice. All scenarios are illustrative and subject to change. Please consult a licensed professional regarding your specific situation.

My goal is simple: help you understand mortgage rates — and more importantly, the WHY behind what’s happening.🚨 We’re LIVE today breaking down a major market shift:Ceasefire in the Middle EastOil prices moving fastGovernment shutdown developments👉 What does this mean for mortgage rates — and should you LOCK or FLOAT right now?👇 Get notified the SECOND rates hit your targethttps://www.therateupdate.com/rate-watch📞 Want a personalized mortgage strategy?https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05Welcome to The Rate Update — where we break down real market data so you can make smarter decisions.No hype. Just real data.📝 Apply (1 Application • 1 Credit Pull • 30+ Lenders)https://257781.my1003app.com/246527/register🧮 TRU Mortgage Calculator Toolkithttps://stan.store/TRU-FoundationsFollow The Rate Update:YouTubehttps://www.youtube.com/@TheRateUpdatewithDanFrioInstagramhttps://instagram.com/therateupdateTikTokhttps://tiktok.com/@therateupdate⚖️ Mortgage Compliance DisclosureDan Frio | NMLS #246527TRU Mortgage Team / PBT Bancorp | NMLS #257781Equal Housing LenderThe views and opinions expressed are solely those of Dan Frio and do not reflect the views of PBT Bancorp or any other entity.This content is for educational and entertainment purposes only and should not be considered financial, legal, or tax advice. All scenarios are illustrative and subject to change. Please consult a licensed professional regarding your specific situation.

My goal is simple: help you understand mortgage rates — and more importantly, the WHY behind what’s happening.🚨 We’re LIVE today breaking down a major market shift:Ceasefire in the Middle EastOil prices moving fastGovernment shutdown developments👉 What does this mean for mortgage rates — and should you LOCK or FLOAT right now?👇 Get notified the SECOND rates hit your targethttps://www.therateupdate.com/rate-watch📞 Want a personalized mortgage strategy?https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05Welcome to The Rate Update — where we break down real market data so you can make smarter decisions.No hype. Just real data.📝 Apply (1 Application • 1 Credit Pull • 30+ Lenders)https://257781.my1003app.com/246527/register🧮 TRU Mortgage Calculator Toolkithttps://stan.store/TRU-FoundationsFollow The Rate Update:YouTubehttps://www.youtube.com/@TheRateUpdatewithDanFrioInstagramhttps://instagram.com/therateupdateTikTokhttps://tiktok.com/@therateupdate⚖️ Mortgage Compliance DisclosureDan Frio | NMLS #246527TRU Mortgage Team / PBT Bancorp | NMLS #257781Equal Housing LenderThe views and opinions expressed are solely those of Dan Frio and do not reflect the views of PBT Bancorp or any other entity.This content is for educational and entertainment purposes only and should not be considered financial, legal, or tax advice. All scenarios are illustrative and subject to change. Please consult a licensed professional regarding your specific situation.

Hey — Dan Frio here, licensed mortgage loan officer in all 50 states and Puerto Rico.My goal is simple: help you understand mortgage rates — and more importantly, the WHY behind what’s happening.Today we break down WHY and answer the big question:👉 Should you LOCK or FLOAT right now?👇 Get notified the SECOND rates hit your targethttps://www.therateupdate.com/rate-watch📞 Want a personalized mortgage strategy?https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05Welcome to The Rate Update.We break down mortgage rates, inflation, the Federal Reserve, and the bond market — so you can make smarter decisions when buying, refinancing, or timing the housing market.No hype. Just real data.📝 Apply (1 Application • 1 Credit Pull • 30+ Lenders)https://257781.my1003app.com/246527/register🧮 TRU Mortgage Calculator Toolkithttps://stan.store/TRU-FoundationsFollow The Rate Update:YouTube https://www.youtube.com/@TheRateUpdatewithDanFrioInstagram https://instagram.com/therateupdateTikTok https://tiktok.com/@therateupdate⚖️ Mortgage Compliance Disclosure Dan Frio | NMLS #246527 TRU Mortgage Team / PBT Bancorp | NMLS #257781 Equal Housing Lender The views and opinions expressed are solely those of Dan Frio and do not reflect the views of PBT Bancorp or any other entity. This content is for educational and entertainment purposes only and should not be considered financial, legal, or tax advice. All scenarios are illustrative and subject to change. Please consult a licensed professional regarding your specific situation.

Hey — Dan Frio here, licensed mortgage loan officer in all 50 states and Puerto Rico.My goal is simple: help you understand mortgage rates — and more importantly, the WHY behind what’s happening.Today we break down WHY and answer the big question:👉 Should you LOCK or FLOAT right now?👇 Get notified the SECOND rates hit your targethttps://www.therateupdate.com/rate-watch📞 Want a personalized mortgage strategy?https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05Welcome to The Rate Update.We break down mortgage rates, inflation, the Federal Reserve, and the bond market — so you can make smarter decisions when buying, refinancing, or timing the housing market.No hype. Just real data.📝 Apply (1 Application • 1 Credit Pull • 30+ Lenders)https://257781.my1003app.com/246527/register🧮 TRU Mortgage Calculator Toolkithttps://stan.store/TRU-FoundationsFollow The Rate Update:YouTube https://www.youtube.com/@TheRateUpdatewithDanFrioInstagram https://instagram.com/therateupdateTikTok https://tiktok.com/@therateupdate⚖️ Mortgage Compliance Disclosure Dan Frio | NMLS #246527 TRU Mortgage Team / PBT Bancorp | NMLS #257781 Equal Housing Lender The views and opinions expressed are solely those of Dan Frio and do not reflect the views of PBT Bancorp or any other entity. This content is for educational and entertainment purposes only and should not be considered financial, legal, or tax advice. All scenarios are illustrative and subject to change. Please consult a licensed professional regarding your specific situation.

Mortgage Rates, Housing Market News & Daily Interest Rate ForecastsWelcome to The Rate Update with Dan Frio, where we break down mortgage rates, the housing market, Federal Reserve policy, inflation data, and the bond market to help you understand where interest rates are heading.Every day we analyze the 10-Year Treasury yield, mortgage-backed securities (MBS), CPI inflation, jobs reports, Federal Reserve decisions, and housing supply trends to explain why mortgage rates move — and what it means for homebuyers, homeowners, and real estate investors.If you're wondering:• Are mortgage rates going up or down?• Is the housing market crashing?• Should I lock or float my mortgage rate?• Is now a good time to buy a house?• Should I refinance my mortgage?You're in the right place.On this channel we break down real financial data so you can make smarter decisions about:• Buying a home• Refinancing your mortgage• Lowering your monthly payment• Timing the housing market• Understanding inflation and Federal Reserve policyNo hype.No clickbait.Just real mortgage data explained simply.🔔 Start Here📈 RateWatch 2.1— Get Notified When Mortgage Rate -or- Payment Hit Your Target👉 https://www.therateupdate.com/rate-watch📞 Schedule a Free Mortgage Strategy Call👉 https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05📝 Apply for a Mortgage — One Application • One Credit Pull • 30+ Lenders👉 https://257781.my1003app.com/246527/register🧮 TRU Mortgage Calculator Toolkit👉 https://stan.store/TRU-FoundationsProfessional mortgage calculators used by loan officers and homebuyers:• Home Affordability Calculator• Refinance & Debt Consolidation Analyzer• Cost-of-Waiting™ Calculator• Break-Even & ROI Mortgage CalculatorPerfect for homebuyers, homeowners, and real estate investors who want to analyze mortgage scenarios like a professional.📲 Follow The Rate UpdateYouTubehttps://www.youtube.com/@TheRateUpdatewithDanFrioInstagramhttps://instagram.com/therateupdateTikTokhttps://tiktok.com/@therateupdateFacebookhttps://facebook.com/therateupdateLinkedInhttps://www.linkedin.com/in/danfrio⚖️ Mortgage Compliance Disclosure⚖️ Mortgage Compliance DisclosureDan Frio | NMLS #246527TRU Mortgage Team / PBT Bancorp | NMLS #257781Equal Housing LenderThe views and opinions expressed on this channel and in these videos are solely those of Dan Frio and do not reflect the views or positions of PBT Bancorp or any other company or entity.This content is provided for educational and entertainment purposes only and should not be considered financial, legal, or tax advice. All scenarios are illustrative and subject to change. Please consult with a licensed professional regarding your specific situation.

If you're a real estate investor struggling to qualify for financing because your tax returns don’t show enough income… this is exactly what investors are using right now to scale.In this video, we break down DSCR loans for 5–8 unit properties—a powerful financing option where the property qualifies, not you.That means:• No traditional income verification• No tax returns required• No W2s needed• Qualify using lease income / rental cash flowIf the property cash flows… you may qualify.We’ll walk through:• What a DSCR loan is (Debt Service Coverage Ratio)• How you qualify using rental income only• Why this works especially well for 5–8 unit buildings• Who this program is designed for (experienced investors)• Key requirements like credit score, down payment, and DSCR ratios• How investors are scaling portfolios without traditional underwritingThis is a game-changer for real estate investors looking to move beyond 1–4 unit properties and into small multifamily.If you're wondering:• How do investors qualify without showing income?• Can rental income alone qualify me for a loan?• What is a DSCR loan and how does it work?• Can I buy a 5–8 unit property with no tax returns?• Is this the best way to scale a rental portfolio?You're in the right place.On this channel, we break down real financial data and mortgage strategies so you can make smarter decisions about:• Buying investment properties• Scaling your rental portfolio• Financing multi-unit real estate• Understanding DSCR and investor loan programs• Timing the housing and interest rate marketNo hype.No clickbait.Just real mortgage strategies explained simply.🔔 Start Here📈 RateWatch 2.1 — Get Notified When Mortgage Rates or Payments Hit Your Target👉 https://www.therateupdate.com/rate-watch📞 Schedule a Free Mortgage Strategy Call👉 https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05📝 Apply for a Mortgage — One Application • One Credit Pull • 30+ Lenders👉 https://257781.my1003app.com/246527/register🧮 TRU Mortgage Calculator Toolkit👉 https://stan.store/TRU-FoundationsProfessional mortgage calculators used by loan officers, homebuyers, and real estate investors:• Home Affordability Calculator• Refinance & Debt Consolidation Analyzer• Cost-of-Waiting™ Calculator• Break-Even & ROI Mortgage Calculator📲 Follow The Rate UpdateYouTubehttps://www.youtube.com/@TheRateUpdatewithDanFrioInstagramhttps://instagram.com/therateupdateTikTokhttps://tiktok.com/@therateupdateFacebookhttps://facebook.com/therateupdateLinkedInhttps://www.linkedin.com/in/danfrio⚖️ Mortgage Compliance DisclosureDan Frio | NMLS #246527TRU Mortgage Team / PBT Bancorp | NMLS #257781Equal Housing LenderThe views and opinions expressed on this channel and in these videos are solely those of Dan Frio and do not reflect the views or positions of PBT Bancorp or any other company or entity.This content is provided for educational and entertainment purposes only and should not be considered financial, legal, or tax advice. All scenarios are illustrative and subject to change. Please consult with a licensed professional regarding your specific situation.

Mortgage Rates, Housing Market News & Daily Interest Rate ForecastsWelcome to The Rate Update with Dan Frio, where we break down mortgage rates, the housing market, Federal Reserve policy, inflation data, and the bond market to help you understand where interest rates are heading.Every day we analyze the 10-Year Treasury yield, mortgage-backed securities (MBS), CPI inflation, jobs reports, Federal Reserve decisions, and housing supply trends to explain why mortgage rates move — and what it means for homebuyers, homeowners, and real estate investors.If you're wondering:• Are mortgage rates going up or down?• Is the housing market crashing?• Should I lock or float my mortgage rate?• Is now a good time to buy a house?• Should I refinance my mortgage?You're in the right place.On this channel we break down real financial data so you can make smarter decisions about:• Buying a home• Refinancing your mortgage• Lowering your monthly payment• Timing the housing market• Understanding inflation and Federal Reserve policyNo hype.No clickbait.Just real mortgage data explained simply.🔔 Start Here📈 RateWatch 2.1— Get Notified When Mortgage Rate -or- Payment Hit Your Target👉 https://www.therateupdate.com/rate-watch📞 Schedule a Free Mortgage Strategy Call👉 https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05📝 Apply for a Mortgage — One Application • One Credit Pull • 30+ Lenders👉 https://257781.my1003app.com/246527/register🧮 TRU Mortgage Calculator Toolkit👉 https://stan.store/TRU-FoundationsProfessional mortgage calculators used by loan officers and homebuyers:• Home Affordability Calculator• Refinance & Debt Consolidation Analyzer• Cost-of-Waiting™ Calculator• Break-Even & ROI Mortgage CalculatorPerfect for homebuyers, homeowners, and real estate investors who want to analyze mortgage scenarios like a professional.📲 Follow The Rate UpdateYouTubehttps://www.youtube.com/@TheRateUpdatewithDanFrioInstagramhttps://instagram.com/therateupdateTikTokhttps://tiktok.com/@therateupdateFacebookhttps://facebook.com/therateupdateLinkedInhttps://www.linkedin.com/in/danfrio⚖️ Mortgage Compliance DisclosureDan Frio | NMLS #246527TRU Mortgage Team / PBT Bancorp | NMLS #257781Equal Housing LenderContent is for educational purposes only and should not be considered financial advice.

Join us LIVE as the Federal Reserve announces its decision and Chairman Powell answers questions. We’ll watch the press conference together, analyze the headlines, and break down the instant market reaction in stocks, bonds, oil, and mortgage rates.📊 Mortgage Calculators & Toolshttps://www.therateupdate.com/calculators🔔 Subscribe for Daily Mortgage Rate Updateshttps://www.youtube.com/@TheRateUpdatewithDanFrio#FederalReserve #FedDecision #MortgageRates #BondMarket #HousingMarket

Join us LIVE as the Federal Reserve announces its decision and Chairman Powell answers questions. We’ll watch the press conference together, analyze the headlines, and break down the instant market reaction in stocks, bonds, oil, and mortgage rates.📊 Mortgage Calculators & Toolshttps://www.therateupdate.com/calculators🔔 Subscribe for Daily Mortgage Rate Updateshttps://www.youtube.com/@TheRateUpdatewithDanFrio#FederalReserve #FedDecision #MortgageRates #BondMarket #HousingMarket

Join us LIVE as the Federal Reserve announces its decision and Chairman Powell answers questions. We’ll watch the press conference together, analyze the headlines, and break down the instant market reaction in stocks, bonds, oil, and mortgage rates.📊 Mortgage Calculators & Toolshttps://www.therateupdate.com/calculators🔔 Subscribe for Daily Mortgage Rate Updateshttps://www.youtube.com/@TheRateUpdatewithDanFrio#FederalReserve #FedDecision #MortgageRates #BondMarket #HousingMarket

Mortgage Rates, Housing Market News & Daily Interest Rate ForecastsWelcome to The Rate Update with Dan Frio, where we break down mortgage rates, the housing market, Federal Reserve policy, inflation data, and the bond market to help you understand where interest rates are heading.Every day we analyze the 10-Year Treasury yield, mortgage-backed securities (MBS), CPI inflation, jobs reports, Federal Reserve decisions, and housing supply trends to explain why mortgage rates move — and what it means for homebuyers, homeowners, and real estate investors.If you're wondering:• Are mortgage rates going up or down?• Is the housing market crashing?• Should I lock or float my mortgage rate?• Is now a good time to buy a house?• Should I refinance my mortgage?You're in the right place.On this channel we break down real financial data so you can make smarter decisions about:• Buying a home• Refinancing your mortgage• Lowering your monthly payment• Timing the housing market• Understanding inflation and Federal Reserve policyNo hype.No clickbait.Just real mortgage data explained simply.🔔 Start Here📈 RateWatch 2.1— Get Notified When Mortgage Rate -or- Payment Hit Your Target👉 https://www.therateupdate.com/rate-watch📞 Schedule a Free Mortgage Strategy Call👉 https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05📝 Apply for a Mortgage — One Application • One Credit Pull • 30+ Lenders👉 https://257781.my1003app.com/246527/register🧮 TRU Mortgage Calculator Toolkit👉 https://stan.store/TRU-FoundationsProfessional mortgage calculators used by loan officers and homebuyers:• Home Affordability Calculator• Refinance & Debt Consolidation Analyzer• Cost-of-Waiting™ Calculator• Break-Even & ROI Mortgage CalculatorPerfect for homebuyers, homeowners, and real estate investors who want to analyze mortgage scenarios like a professional.📲 Follow The Rate UpdateYouTubehttps://www.youtube.com/@TheRateUpdatewithDanFrioInstagramhttps://instagram.com/therateupdateTikTokhttps://tiktok.com/@therateupdateFacebookhttps://facebook.com/therateupdateLinkedInhttps://www.linkedin.com/in/danfrio⚖️ Mortgage Compliance DisclosureDan Frio | NMLS #246527TRU Mortgage Team / PBT Bancorp | NMLS #257781Equal Housing LenderContent is for educational purposes only and should not be considered financial advice.

The Federal Reserve meets tomorrow — and all signs point to NO rate cuts.At the same time, oil prices are rising, inflation risks are back in focus, and the market is on edge.So… why are mortgage rates showing signs they could actually move LOWER?That’s exactly what we break down in today’s episode.📊 What’s Happening Right Now• Fed expected to hold rates steady• Oil prices rising → potential inflation pressure• Markets adjusting expectations for future Fed policy• Bond market moving ahead of the Fed🧠 What You’ll Learn in This Video• Why the Fed not cutting rates doesn’t mean mortgage rates won’t fall• How oil and inflation expectations impact interest rates• The role of the 10-Year Treasury & mortgage-backed securities (MBS)• Why mortgage rates move ahead of Fed decisions — not after• What this means for homebuyers, homeowners, and refinancersNo hype.No clickbait.Just real mortgage data explained simply.🔔 Start Here📈 RateWatch 2.1— Get Notified When Mortgage Rate -or- Payment Hit Your Target👉 https://www.therateupdate.com/rate-watch📞 Schedule a Free Mortgage Strategy Call👉 https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05📝 Apply for a Mortgage — One Application • One Credit Pull • 30+ Lenders👉 https://257781.my1003app.com/246527/register🧮 TRU Mortgage Calculator Toolkit👉 https://stan.store/TRU-FoundationsProfessional mortgage calculators used by loan officers and homebuyers:• Home Affordability Calculator• Refinance & Debt Consolidation Analyzer• Cost-of-Waiting™ Calculator• Break-Even & ROI Mortgage CalculatorPerfect for homebuyers, homeowners, and real estate investors who want to analyze mortgage scenarios like a professional.📲 Follow The Rate UpdateYouTubehttps://www.youtube.com/@TheRateUpdatewithDanFrioInstagramhttps://instagram.com/therateupdateTikTokhttps://tiktok.com/@therateupdateFacebookhttps://facebook.com/therateupdateLinkedInhttps://www.linkedin.com/in/danfrio⚖️ Mortgage Compliance DisclosureDan Frio | NMLS #246527TRU Mortgage Team / PBT Bancorp | NMLS #257781Equal Housing LenderContent is for educational purposes only and should not be considered financial advice.

Mortgage rates were near 5.99%… but are they heading back to 7%?With a Federal Reserve meeting just days away, rising oil prices, geopolitical tensions, and inflation still above target, the big question is:👉 What happens to mortgage rates next — and what should YOU do about it?In today’s update, we break down exactly what’s happening in the markets and how it impacts homebuyers, homeowners, and anyone watching interest rates right now.📊 What We Cover in This Video:• Why mortgage rates moved recently (and why they could move again fast)• The impact of oil prices pushing toward $100+• How global conflict is affecting the bond market• What to expect from the Federal Reserve meeting this week• Inflation trends and why the Fed is stuck• The 10-Year Treasury and mortgage-backed securities (MBS) breakdown• Whether rates could jump from the mid-5% range back toward 7%• What this means if you're buying, refinancing, or waiting🏡 What This Means for YOU:If you're a:• Homebuyer → Timing matters more than ever• Homeowner → Refinance windows can open and close quickly• Investor → Rate volatility = opportunity (and risk)The market is noisy right now — but the data tells the real story.🎯 The Bottom Line:This week could be a major turning point for mortgage rates.The Fed decision, inflation data, and global events are all colliding at once — and that’s exactly when rates tend to move the most.👉 The key isn’t guessing… it’s understanding the data and being ready to act.🔔 Start Here📈 RateWatch 2.1 — Get Notified When Mortgage Rates or Payments Hit Your Target👉 https://www.therateupdate.com/rate-watch📞 Schedule a Free Mortgage Strategy Call👉 https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05📝 Apply for a Mortgage — One Application • One Credit Pull • 30+ Lenders👉 https://257781.my1003app.com/246527/register🧮 TRU Mortgage Calculator Toolkit👉 https://stan.store/TRU-FoundationsProfessional-grade calculators used by loan officers and homebuyers:• Home Affordability Calculator• Refinance & Debt Consolidation Analyzer• Cost-of-Waiting™ Calculator• Break-Even & ROI Mortgage Calculator📲 Follow The Rate UpdateYouTubehttps://www.youtube.com/@TheRateUpdatewithDanFrioInstagramhttps://instagram.com/therateupdateTikTokhttps://tiktok.com/@therateupdateFacebookhttps://facebook.com/therateupdateLinkedInhttps://www.linkedin.com/in/danfrio⚖️ Mortgage Compliance DisclosureDan Frio | NMLS #246527TRU Mortgage Team / PBT Bancorp | NMLS #257781Equal Housing LenderContent is for educational purposes only and should not be considered financial advice.⏱️ Chapters00:00 – Mortgage Rates: 5.99% to 7%? What’s Happening00:45 – Why Rates Moved This Week02:10 – Oil Prices Near $100 and Market Impact03:40 – Global Conflict and Bond Market Reaction05:15 – Federal Reserve Meeting Preview (This Week)07:30 – Inflation Still Above Target: What It Means09:00 – 10-Year Treasury & MBS Breakdown11:20 – Could Mortgage Rates Spike Again?13:10 – What Homebuyers Should Do Right Now15:00 – What Homeowners & Refinance Watchers Should Know16:30 – Final Thoughts: What to Expect This Week

Mortgage rates were near 5.99%… but are they heading back to 7%?With a Federal Reserve meeting just days away, rising oil prices, geopolitical tensions, and inflation still above target, the big question is:👉 What happens to mortgage rates next — and what should YOU do about it?In today’s update, we break down exactly what’s happening in the markets and how it impacts homebuyers, homeowners, and anyone watching interest rates right now.📊 What We Cover in This Video:• Why mortgage rates moved recently (and why they could move again fast)• The impact of oil prices pushing toward $100+• How global conflict is affecting the bond market• What to expect from the Federal Reserve meeting this week• Inflation trends and why the Fed is stuck• The 10-Year Treasury and mortgage-backed securities (MBS) breakdown• Whether rates could jump from the mid-5% range back toward 7%• What this means if you're buying, refinancing, or waiting🏡 What This Means for YOU:If you're a:• Homebuyer → Timing matters more than ever• Homeowner → Refinance windows can open and close quickly• Investor → Rate volatility = opportunity (and risk)The market is noisy right now — but the data tells the real story.🎯 The Bottom Line:This week could be a major turning point for mortgage rates.The Fed decision, inflation data, and global events are all colliding at once — and that’s exactly when rates tend to move the most.👉 The key isn’t guessing… it’s understanding the data and being ready to act.🔔 Start Here📈 RateWatch 2.1 — Get Notified When Mortgage Rates or Payments Hit Your Target👉 https://www.therateupdate.com/rate-watch📞 Schedule a Free Mortgage Strategy Call👉 https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05📝 Apply for a Mortgage — One Application • One Credit Pull • 30+ Lenders👉 https://257781.my1003app.com/246527/register🧮 TRU Mortgage Calculator Toolkit👉 https://stan.store/TRU-FoundationsProfessional-grade calculators used by loan officers and homebuyers:• Home Affordability Calculator• Refinance & Debt Consolidation Analyzer• Cost-of-Waiting™ Calculator• Break-Even & ROI Mortgage Calculator📲 Follow The Rate UpdateYouTubehttps://www.youtube.com/@TheRateUpdatewithDanFrioInstagramhttps://instagram.com/therateupdateTikTokhttps://tiktok.com/@therateupdateFacebookhttps://facebook.com/therateupdateLinkedInhttps://www.linkedin.com/in/danfrio⚖️ Mortgage Compliance DisclosureDan Frio | NMLS #246527TRU Mortgage Team / PBT Bancorp | NMLS #257781Equal Housing LenderContent is for educational purposes only and should not be considered financial advice.⏱️ Chapters00:00 – Mortgage Rates: 5.99% to 7%? What’s Happening00:45 – Why Rates Moved This Week02:10 – Oil Prices Near $100 and Market Impact03:40 – Global Conflict and Bond Market Reaction05:15 – Federal Reserve Meeting Preview (This Week)07:30 – Inflation Still Above Target: What It Means09:00 – 10-Year Treasury & MBS Breakdown11:20 – Could Mortgage Rates Spike Again?13:10 – What Homebuyers Should Do Right Now15:00 – What Homeowners & Refinance Watchers Should Know16:30 – Final Thoughts: What to Expect This Week

Join us LIVE as we break down the biggest policy and economic developments impacting housing and financial markets right now.Congress just passed a major bipartisan housing package known as the 21st Century ROAD to Housing Act, aimed at increasing housing supply and improving affordability. But the real question is:Will it actually help housing — or is it just another policy promise?At the same time, global tensions are escalating in the Middle East, oil prices are rising, and markets are preparing for next week’s Federal Reserve meeting.In this special live event we’ll cover:• The 21st Century Road to Housing Act — what’s actually in the bill• Whether federal housing policy can realistically improve affordability• Iran conflict and rising oil prices and the potential impact on inflation• A weekend review of the biggest market developments• What to watch as the Federal Reserve meets next week• The real factors that drive housing affordability in the United StatesIf you're a homebuyer, homeowner, real estate investor, or mortgage professional, this is a conversation you won’t want to miss.🧮 TRU Mortgage Calculator ToolkitProfessional mortgage calculators used by loan officers, homebuyers, and real estate investors to analyze mortgage scenarios like a pro.Inside the toolkit you'll find calculators for:• Home affordability analysis• Refinance and debt consolidation comparisons• Cost-of-waiting mortgage analysis• Break-even and ROI calculations• Rental income analysis and investment scenarios👉 https://stan.store/TRU-Foundations📈 RateWatch – Track Mortgage Rates & Payment SavingsGet notified when mortgage rates or monthly savings hit your target.👉 https://www.therateupdate.com/rate-watch📞 Schedule a Free Mortgage Strategy CallDiscuss your home buying, refinance, or investment options.👉 https://calendly.com/d/cq29-7xd-x3v/the-frio-team📝 Apply for a MortgageOne application • One credit pull • Access to 30+ lenders👉 https://257781.my1003app.com/246527/register📲 Follow The Rate UpdateYouTubehttps://www.youtube.com/@TheRateUpdatewithDanFrioInstagramhttps://instagram.com/therateupdateTikTokhttps://tiktok.com/@therateupdateFacebookhttps://facebook.com/therateupdateLinkedInhttps://www.linkedin.com/in/danfrio⚖️ Mortgage Compliance DisclosureDan Frio | NMLS #246527TRU Mortgage Team / PBT Bancorp | NMLS #257781Equal Housing LenderContent is for educational and informational purposes only and should not be considered financial advice. Mortgage programs, rates, and guidelines are subject to change without notice. Not all applicants will qualify. Please consult with a licensed mortgage professional regarding your specific situation.

Join us LIVE as we break down the biggest policy and economic developments impacting housing and financial markets right now.Congress just passed a major bipartisan housing package known as the 21st Century ROAD to Housing Act, aimed at increasing housing supply and improving affordability. But the real question is:Will it actually help housing — or is it just another policy promise?At the same time, global tensions are escalating in the Middle East, oil prices are rising, and markets are preparing for next week’s Federal Reserve meeting.In this special live event we’ll cover:• The 21st Century Road to Housing Act — what’s actually in the bill• Whether federal housing policy can realistically improve affordability• Iran conflict and rising oil prices and the potential impact on inflation• A weekend review of the biggest market developments• What to watch as the Federal Reserve meets next week• The real factors that drive housing affordability in the United StatesIf you're a homebuyer, homeowner, real estate investor, or mortgage professional, this is a conversation you won’t want to miss.🧮 TRU Mortgage Calculator ToolkitProfessional mortgage calculators used by loan officers, homebuyers, and real estate investors to analyze mortgage scenarios like a pro.Inside the toolkit you'll find calculators for:• Home affordability analysis• Refinance and debt consolidation comparisons• Cost-of-waiting mortgage analysis• Break-even and ROI calculations• Rental income analysis and investment scenarios👉 https://stan.store/TRU-Foundations📈 RateWatch – Track Mortgage Rates & Payment SavingsGet notified when mortgage rates or monthly savings hit your target.👉 https://www.therateupdate.com/rate-watch📞 Schedule a Free Mortgage Strategy CallDiscuss your home buying, refinance, or investment options.👉 https://calendly.com/d/cq29-7xd-x3v/the-frio-team📝 Apply for a MortgageOne application • One credit pull • Access to 30+ lenders👉 https://257781.my1003app.com/246527/register📲 Follow The Rate UpdateYouTubehttps://www.youtube.com/@TheRateUpdatewithDanFrioInstagramhttps://instagram.com/therateupdateTikTokhttps://tiktok.com/@therateupdateFacebookhttps://facebook.com/therateupdateLinkedInhttps://www.linkedin.com/in/danfrio⚖️ Mortgage Compliance DisclosureDan Frio | NMLS #246527TRU Mortgage Team / PBT Bancorp | NMLS #257781Equal Housing LenderContent is for educational and informational purposes only and should not be considered financial advice. Mortgage programs, rates, and guidelines are subject to change without notice. Not all applicants will qualify. Please consult with a licensed mortgage professional regarding your specific situation.

Join us LIVE as we break down the biggest policy and economic developments impacting housing and financial markets right now.Congress just passed a major bipartisan housing package known as the 21st Century ROAD to Housing Act, aimed at increasing housing supply and improving affordability. But the real question is:Will it actually help housing — or is it just another policy promise?At the same time, global tensions are escalating in the Middle East, oil prices are rising, and markets are preparing for next week’s Federal Reserve meeting.In this special live event we’ll cover:• The 21st Century Road to Housing Act — what’s actually in the bill• Whether federal housing policy can realistically improve affordability• Iran conflict and rising oil prices and the potential impact on inflation• A weekend review of the biggest market developments• What to watch as the Federal Reserve meets next week• The real factors that drive housing affordability in the United StatesIf you're a homebuyer, homeowner, real estate investor, or mortgage professional, this is a conversation you won’t want to miss.🧮 TRU Mortgage Calculator ToolkitProfessional mortgage calculators used by loan officers, homebuyers, and real estate investors to analyze mortgage scenarios like a pro.Inside the toolkit you'll find calculators for:• Home affordability analysis• Refinance and debt consolidation comparisons• Cost-of-waiting mortgage analysis• Break-even and ROI calculations• Rental income analysis and investment scenarios👉 https://stan.store/TRU-Foundations📈 RateWatch – Track Mortgage Rates & Payment SavingsGet notified when mortgage rates or monthly savings hit your target.👉 https://www.therateupdate.com/rate-watch📞 Schedule a Free Mortgage Strategy CallDiscuss your home buying, refinance, or investment options.👉 https://calendly.com/d/cq29-7xd-x3v/the-frio-team📝 Apply for a MortgageOne application • One credit pull • Access to 30+ lenders👉 https://257781.my1003app.com/246527/register📲 Follow The Rate UpdateYouTubehttps://www.youtube.com/@TheRateUpdatewithDanFrioInstagramhttps://instagram.com/therateupdateTikTokhttps://tiktok.com/@therateupdateFacebookhttps://facebook.com/therateupdateLinkedInhttps://www.linkedin.com/in/danfrio⚖️ Mortgage Compliance DisclosureDan Frio | NMLS #246527TRU Mortgage Team / PBT Bancorp | NMLS #257781Equal Housing LenderContent is for educational and informational purposes only and should not be considered financial advice. Mortgage programs, rates, and guidelines are subject to change without notice. Not all applicants will qualify. Please consult with a licensed mortgage professional regarding your specific situation.

Mortgage rates just surged again this week, even as the latest inflation data came in largely in line with expectations. So what’s really driving mortgage rates higher?In today’s episode of The Rate Update, we break down the major forces moving the housing and mortgage markets right now:• Congress just passed a major housing bill — the 21st Century ROAD to Housing Act• Mortgage rates are spiking to new highs again• The Iran conflict is escalating, pushing oil toward $100 per barrel• Inflation pressures from energy could keep rates elevated• The Federal Reserve meets next week, and the bond market is already reactingWe'll walk through what all of this means for:🏠 Homebuyers🏠 Homeowners🏠 Real estate investors🏠 Anyone watching mortgage ratesIs this housing bill truly a major step forward for housing affordability — or just political theater heading into election season?And more importantly… where are mortgage rates likely headed next?Let's break it all down.🔔 Start Here📈 RateWatch 2.1 — Get Notified When Mortgage Rates or Payments Hit Your Target👉 https://www.therateupdate.com/rate-watch📞 Schedule a Free Mortgage Strategy Call👉 https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05📝 Apply for a Mortgage — One Application • One Credit Pull • 30+ Lenders👉 https://257781.my1003app.com/246527/register🧮 TRU Mortgage Calculator Toolkit👉 https://stan.store/TRU-FoundationsProfessional mortgage calculators used by loan officers and homebuyers:• Home Affordability Calculator• Refinance & Debt Consolidation Analyzer• Cost-of-Waiting™ Calculator• Break-Even & ROI Mortgage CalculatorPerfect for homebuyers, homeowners, and real estate investors who want to analyze mortgage scenarios like a professional.📲 Follow The Rate UpdateYouTubehttps://www.youtube.com/@TheRateUpdatewithDanFrioInstagramhttps://instagram.com/therateupdateTikTokhttps://tiktok.com/@therateupdateFacebookhttps://facebook.com/therateupdateLinkedInhttps://www.linkedin.com/in/danfrio⏱ Chapters0:00 Mortgage Rates Jump Again0:42 Major Housing Bill Passed in Congress2:10 What Is the 21st Century ROAD to Housing Act?4:05 Why Mortgage Rates Spiked This Week5:32 Iran Conflict & Oil Near $1007:00 How Energy Inflation Impacts Mortgage Rates8:25 Latest Inflation Data (PCE) Explained9:50 What the Bond Market Is Telling Us11:05 Federal Reserve Meeting Next Week12:10 Mortgage Rate Outlook⚖️ Mortgage Compliance DisclosureDan Frio | NMLS #246527TRU Mortgage Team / PBT Bancorp | NMLS #257781Equal Housing LenderContent is for educational purposes only and should not be considered financial advice.

Today’s February jobs report shocked the markets, and when employment data surprises economists, the ripple effects can move mortgage rates, bond yields, and the housing market almost immediately.In today’s episode of The Rate Update, we break down the unexpected payroll numbers, what the data actually means for the economy, and how it could impact mortgage rates moving forward.Because the labor market is one of the Federal Reserve’s most important indicators, surprises in the jobs report can quickly shift expectations around inflation, rate cuts, and the direction of mortgage rates.In this video we break down:• What the latest payroll numbers actually show• Why economists didn’t expect this report• How the bond market and 10-Year Treasury reacted• What this means for mortgage rates and home affordability• Whether the Federal Reserve may change its outlook on rate cutsNo hype.No clickbait.Just real mortgage data explained simply.🔔 Start Here📈 RateWatch 2.1— Get Notified When Mortgage Rate -or- Payment Hit Your Target👉 https://www.therateupdate.com/rate-watch📞 Schedule a Free Mortgage Strategy Call👉 https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05📝 Apply for a Mortgage — One Application • One Credit Pull • 30+ Lenders👉 https://257781.my1003app.com/246527/register🧮 TRU Mortgage Calculator Toolkit👉 https://stan.store/TRU-FoundationsProfessional mortgage calculators used by loan officers and homebuyers:• Home Affordability Calculator• Refinance & Debt Consolidation Analyzer• Cost-of-Waiting™ Calculator• Break-Even & ROI Mortgage CalculatorPerfect for homebuyers, homeowners, and real estate investors who want to analyze mortgage scenarios like a professional.📲 Follow The Rate UpdateYouTubehttps://www.youtube.com/@TheRateUpdatewithDanFrioInstagramhttps://instagram.com/therateupdateTikTokhttps://tiktok.com/@therateupdateFacebookhttps://facebook.com/therateupdateLinkedInhttps://www.linkedin.com/in/danfrio⏱ Video Chapters00:00 Intro00:35 The Jobs Report Nobody Expected02:20 Breaking Down the Payroll Numbers04:10 Why the Market Was Surprised06:00 Bond Market Reaction (10-Year Treasury)08:05 What This Means for Mortgage Rates10:40 Federal Reserve Outlook12:30 Housing Market Implications14:05 Mortgage Rate Forecast15:30 Final Thoughts⚖️ Mortgage Compliance DisclosureDan Frio | NMLS #246527TRU Mortgage Team / PBT Bancorp | NMLS #257781Equal Housing LenderContent is for educational purposes only and should not be considered financial advice.

Today’s Consumer Price Index (CPI) report came in at 2.4% inflation, right in line with expectations. On the surface that sounds like good news — inflation appears to be cooling.But now the Federal Reserve faces a major dilemma.• Inflation is moving closer to the Fed’s 2% target• The jobs market is starting to weaken• The bond market is reacting• Mortgage rates are still elevatedSo the big question becomes:Will this finally trigger interest rate cuts?In today’s episode of The Rate Update, we break down:• The latest CPI inflation report (2.4%)• What the bond market is signaling• Where the 10-Year Treasury is heading• How mortgage-backed securities (MBS) are reacting• Whether the Fed may finally begin cutting rates• What this means for mortgage rates and the housing marketIf you're trying to decide:• Should I buy a house now or wait?• Should I lock or float my mortgage rate?• Are mortgage rates about to fall?• Is the housing market about to shift?This video will help you understand what’s actually happening behind the headlines.No hype.No clickbait.Just real mortgage and economic data explained simply.🔔 Start Here📈 RateWatch 2.1 — Get Notified When Mortgage Rates -or- Your Payment Hit Your Target👉 https://www.therateupdate.com/rate-watch📞 Schedule a Free Mortgage Strategy Call👉 https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05📝 Apply for a Mortgage — One Application • One Credit Pull • 30+ Lenders👉 https://257781.my1003app.com/246527/register🧮 TRU Mortgage Calculator Toolkit👉 https://stan.store/TRU-FoundationsProfessional mortgage calculators used by loan officers and homebuyers:• Home Affordability Calculator• Refinance & Debt Consolidation Analyzer• Cost-of-Waiting™ Calculator• Break-Even & ROI Mortgage CalculatorPerfect for homebuyers, homeowners, and real estate investors who want to analyze mortgage scenarios like a professional.📲 Follow The Rate UpdateYouTubehttps://www.youtube.com/@TheRateUpdatewithDanFrioInstagramhttps://instagram.com/therateupdateTikTokhttps://tiktok.com/@therateupdateFacebookhttps://facebook.com/therateupdateLinkedInhttps://www.linkedin.com/in/danfrio⏱ Video Chapters0:00 CPI Report Released0:45 Inflation Comes in at 2.4%2:10 What the Bond Market Is Doing3:35 10-Year Treasury Reaction5:05 Mortgage-Backed Securities Update6:40 What This Means for Mortgage Rates8:20 The Federal Reserve Dilemma10:05 Housing Market Implications11:35 My Mortgage Rate Forecast⚖️ Mortgage Compliance DisclosureDan Frio | NMLS #246527TRU Mortgage Team / PBT Bancorp | NMLS #257781Equal Housing LenderContent is for educational purposes only and should not be considered financial advice.

Mortgage Rates, Housing Market News & Daily Interest Rate ForecastsWelcome to The Rate Update with Dan Frio, where we break down mortgage rates, the housing market, Federal Reserve policy, inflation data, and the bond market to help you understand where interest rates are heading.Every day we analyze the 10-Year Treasury yield, mortgage-backed securities (MBS), CPI inflation, jobs reports, Federal Reserve decisions, and housing supply trends to explain why mortgage rates move — and what it means for homebuyers, homeowners, and real estate investors.If you're wondering:• Are mortgage rates going up or down?• Is the housing market crashing?• Should I lock or float my mortgage rate?• Is now a good time to buy a house?• Should I refinance my mortgage?You're in the right place.On this channel we break down real financial data so you can make smarter decisions about:• Buying a home• Refinancing your mortgage• Lowering your monthly payment• Timing the housing market• Understanding inflation and Federal Reserve policyNo hype.No clickbait.Just real mortgage data explained simply.🔔 Start Here📈 RateWatch 2.1— Get Notified When Mortgage Rate -or- Payment Hit Your Target👉 https://www.therateupdate.com/rate-watch📞 Schedule a Free Mortgage Strategy Call👉 https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05📝 Apply for a Mortgage — One Application • One Credit Pull • 30+ Lenders👉 https://257781.my1003app.com/246527/register🧮 TRU Mortgage Calculator Toolkit👉 https://stan.store/TRU-FoundationsProfessional mortgage calculators used by loan officers and homebuyers:• Home Affordability Calculator• Refinance & Debt Consolidation Analyzer• Cost-of-Waiting™ Calculator• Break-Even & ROI Mortgage CalculatorPerfect for homebuyers, homeowners, and real estate investors who want to analyze mortgage scenarios like a professional.📲 Follow The Rate UpdateYouTubehttps://www.youtube.com/@TheRateUpdatewithDanFrioInstagramhttps://instagram.com/therateupdateTikTokhttps://tiktok.com/@therateupdateFacebookhttps://facebook.com/therateupdateLinkedInhttps://www.linkedin.com/in/danfrio⚖️ Mortgage Compliance DisclosureDan Frio | NMLS #246527TRU Mortgage Team / PBT Bancorp | NMLS #257781Equal Housing LenderContent is for educational purposes only and should not be considered financial advice.

Oil Prices Spiked and Mortgage Rates Followed — What Happens Next?This week the financial markets were hit with a perfect storm.• Oil prices surged toward $100 per barrel • The stock market tumbled • Inflation fears returned • And the bond market reacted immediatelyWhenever oil spikes due to geopolitical conflict in the Middle East, the ripple effects move quickly through the global economy — and mortgage rates often follow.In this video we break down what just happened in the markets and explain why mortgage rates moved higher, what the 10-Year Treasury is signaling, and what homebuyers and homeowners should watch next.We'll walk through:• Why the Iran / Middle East conflict pushed oil prices higher • How oil prices affect inflation expectations • Why the stock market sold off • What the bond market is doing right now • Why mortgage rates reacted so quickly • And what this means for the housing market going forwardIf you're wondering whether mortgage rates will keep rising or start falling again, this video breaks down the real economic data behind the headlines.No hype. No clickbait. Just real mortgage and bond market data explained simply.🔔 Start Here📈 RateWatch 2.1 — Get Notified When Mortgage Rates OR Your Payment Hit Your Target👉 https://www.therateupdate.com/rate-watch📞 Schedule a Free Mortgage Strategy Call👉 https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05📝 Apply for a Mortgage — One Application • One Credit Pull • 30+ Lenders👉 https://257781.my1003app.com/246527/register🧮 TRU Mortgage Calculator Toolkit 👉 https://stan.store/TRU-FoundationsProfessional mortgage calculators used by loan officers and homebuyers:• Home Affordability Calculator • Refinance & Debt Consolidation Analyzer • Cost-of-Waiting™ Calculator • Break-Even & ROI Mortgage CalculatorPerfect for homebuyers, homeowners, and real estate investors who want to analyze mortgage scenarios like a professional.📲 Follow The Rate UpdateYouTube https://www.youtube.com/@TheRateUpdatewithDanFrioInstagram https://instagram.com/therateupdateTikTok https://tiktok.com/@therateupdateFacebook https://facebook.com/therateupdateLinkedIn https://www.linkedin.com/in/danfrio⏱ Chapters0:00 Oil Prices Surge — What Happened 1:12 Middle East Conflict & Energy Markets 2:35 Why Oil Drives Inflation 4:10 Stock Market Selloff Explained 5:45 Bond Market Reaction 7:05 10-Year Treasury & Mortgage Rates 9:20 Why Mortgage Rates Moved Higher 11:05 Housing Market Impact 12:40 Lock vs Float Strategy 14:15 What Happens Next for Mortgage Rates⚖️ Mortgage Compliance Disclosure Dan Frio | NMLS #246527 TRU Mortgage Team / PBT Bancorp | NMLS #257781 Equal Housing LenderContent is for educational purposes only and should not be considered financial advice.

Oil Prices Explode as Jobs Report Tanks — What It Means for Mortgage RatesThe latest economic data just shocked the markets.The U.S. jobs report came in dramatically weaker than expected, showing −92,000 jobs, while the unemployment rate jumped to 4.4%. At the same time, oil prices surged from around $60 to $86 per barrel, creating a major new inflation threat.Now the Federal Reserve is stuck in the middle of a difficult economic dilemma.Weak jobs data normally pushes the Fed toward cutting interest rates, but rising oil prices could drive inflation higher, which could force the Fed to keep rates elevated.In today’s episode of The Rate Update, we break down:• Why the jobs report turned negative• What caused oil prices to spike so quickly• How energy prices impact inflation• The Federal Reserve’s policy dilemma• What this means for mortgage rates and the housing marketIf you're a homebuyer, homeowner, or real estate investor, these economic shifts could directly impact mortgage rates and housing affordability.On this channel we analyze the 10-Year Treasury, mortgage-backed securities (MBS), inflation data, jobs reports, and Federal Reserve policy to explain exactly where mortgage rates may go next.No hype.No spin.Just real mortgage and economic data explained simply.🔔 Start Here📈 RateWatch 2.0 — Get Notified When Mortgage Rates Hit Your Target👉 https://www.therateupdate.com/rate-watch📞 Schedule a Free Mortgage Strategy Call👉 https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05📝 Apply for a Mortgage — One Application • One Credit Pull • 30+ Lenders👉 https://257781.my1003app.com/246527/register🧮 TRU Mortgage Calculator Toolkit👉 https://friodan.gumroad.com/l/aejabsProfessional mortgage calculators used by loan officers, homebuyers, and investors:• Home Affordability Calculator• Refinance & Debt Consolidation Analyzer• Cost-of-Waiting™ Calculator• Break-Even & ROI Mortgage CalculatorAnalyze mortgage scenarios like a professional before making a financial decision.📊 Video Chapters00:00 Oil Prices Explode & Jobs Report Shock01:08 Payrolls Collapse: −92,000 Jobs02:22 Unemployment Jumps to 4.4%03:41 Why Oil Prices Spiked to $8605:06 Energy Prices & Inflation Risk06:42 The Federal Reserve’s Dilemma08:09 Bond Market & 10-Year Treasury Reaction09:37 What This Means for Mortgage Rates11:05 Housing Market Impact & Rate Outlook📲 Follow The Rate UpdateYouTubehttps://www.youtube.com/@TheRateUpdatewithDanFrioInstagramhttps://instagram.com/therateupdateTikTokhttps://tiktok.com/@therateupdateFacebookhttps://facebook.com/therateupdateLinkedInhttps://www.linkedin.com/in/danfrio⚖️ Mortgage Compliance DisclosureDan Frio | NMLS #246527TRU Mortgage Team / PBT Bancorp | NMLS #257781Equal Housing LenderContent is for educational purposes only and should not be considered financial advice.

Oil Prices Explode as Jobs Report Tanks — What It Means for Mortgage RatesThe latest economic data just shocked the markets.The U.S. jobs report came in dramatically weaker than expected, showing −92,000 jobs, while the unemployment rate jumped to 4.4%. At the same time, oil prices surged from around $60 to $86 per barrel, creating a major new inflation threat.Now the Federal Reserve is stuck in the middle of a difficult economic dilemma.Weak jobs data normally pushes the Fed toward cutting interest rates, but rising oil prices could drive inflation higher, which could force the Fed to keep rates elevated.In today’s episode of The Rate Update, we break down:• Why the jobs report turned negative• What caused oil prices to spike so quickly• How energy prices impact inflation• The Federal Reserve’s policy dilemma• What this means for mortgage rates and the housing marketIf you're a homebuyer, homeowner, or real estate investor, these economic shifts could directly impact mortgage rates and housing affordability.On this channel we analyze the 10-Year Treasury, mortgage-backed securities (MBS), inflation data, jobs reports, and Federal Reserve policy to explain exactly where mortgage rates may go next.No hype.No spin.Just real mortgage and economic data explained simply.🔔 Start Here📈 RateWatch 2.0 — Get Notified When Mortgage Rates Hit Your Target👉 https://www.therateupdate.com/rate-watch📞 Schedule a Free Mortgage Strategy Call👉 https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05📝 Apply for a Mortgage — One Application • One Credit Pull • 30+ Lenders👉 https://257781.my1003app.com/246527/register🧮 TRU Mortgage Calculator Toolkit👉 https://friodan.gumroad.com/l/aejabsProfessional mortgage calculators used by loan officers, homebuyers, and investors:• Home Affordability Calculator• Refinance & Debt Consolidation Analyzer• Cost-of-Waiting™ Calculator• Break-Even & ROI Mortgage CalculatorAnalyze mortgage scenarios like a professional before making a financial decision.📊 Video Chapters00:00 Oil Prices Explode & Jobs Report Shock01:08 Payrolls Collapse: −92,000 Jobs02:22 Unemployment Jumps to 4.4%03:41 Why Oil Prices Spiked to $8605:06 Energy Prices & Inflation Risk06:42 The Federal Reserve’s Dilemma08:09 Bond Market & 10-Year Treasury Reaction09:37 What This Means for Mortgage Rates11:05 Housing Market Impact & Rate Outlook📲 Follow The Rate UpdateYouTubehttps://www.youtube.com/@TheRateUpdatewithDanFrioInstagramhttps://instagram.com/therateupdateTikTokhttps://tiktok.com/@therateupdateFacebookhttps://facebook.com/therateupdateLinkedInhttps://www.linkedin.com/in/danfrio⚖️ Mortgage Compliance DisclosureDan Frio | NMLS #246527TRU Mortgage Team / PBT Bancorp | NMLS #257781Equal Housing LenderContent is for educational purposes only and should not be considered financial advice.

Oil Prices Explode as Jobs Report Tanks — What It Means for Mortgage RatesThe latest economic data just shocked the markets.The U.S. jobs report came in dramatically weaker than expected, showing −92,000 jobs, while the unemployment rate jumped to 4.4%. At the same time, oil prices surged from around $60 to $86 per barrel, creating a major new inflation threat.Now the Federal Reserve is stuck in the middle of a difficult economic dilemma.Weak jobs data normally pushes the Fed toward cutting interest rates, but rising oil prices could drive inflation higher, which could force the Fed to keep rates elevated.In today’s episode of The Rate Update, we break down:• Why the jobs report turned negative• What caused oil prices to spike so quickly• How energy prices impact inflation• The Federal Reserve’s policy dilemma• What this means for mortgage rates and the housing marketIf you're a homebuyer, homeowner, or real estate investor, these economic shifts could directly impact mortgage rates and housing affordability.On this channel we analyze the 10-Year Treasury, mortgage-backed securities (MBS), inflation data, jobs reports, and Federal Reserve policy to explain exactly where mortgage rates may go next.No hype.No spin.Just real mortgage and economic data explained simply.🔔 Start Here📈 RateWatch 2.0 — Get Notified When Mortgage Rates Hit Your Target👉 https://www.therateupdate.com/rate-watch📞 Schedule a Free Mortgage Strategy Call👉 https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05📝 Apply for a Mortgage — One Application • One Credit Pull • 30+ Lenders👉 https://257781.my1003app.com/246527/register🧮 TRU Mortgage Calculator Toolkit👉 https://friodan.gumroad.com/l/aejabsProfessional mortgage calculators used by loan officers, homebuyers, and investors:• Home Affordability Calculator• Refinance & Debt Consolidation Analyzer• Cost-of-Waiting™ Calculator• Break-Even & ROI Mortgage CalculatorAnalyze mortgage scenarios like a professional before making a financial decision.📊 Video Chapters00:00 Oil Prices Explode & Jobs Report Shock01:08 Payrolls Collapse: −92,000 Jobs02:22 Unemployment Jumps to 4.4%03:41 Why Oil Prices Spiked to $8605:06 Energy Prices & Inflation Risk06:42 The Federal Reserve’s Dilemma08:09 Bond Market & 10-Year Treasury Reaction09:37 What This Means for Mortgage Rates11:05 Housing Market Impact & Rate Outlook📲 Follow The Rate UpdateYouTubehttps://www.youtube.com/@TheRateUpdatewithDanFrioInstagramhttps://instagram.com/therateupdateTikTokhttps://tiktok.com/@therateupdateFacebookhttps://facebook.com/therateupdateLinkedInhttps://www.linkedin.com/in/danfrio⚖️ Mortgage Compliance DisclosureDan Frio | NMLS #246527TRU Mortgage Team / PBT Bancorp | NMLS #257781Equal Housing LenderContent is for educational purposes only and should not be considered financial advice.

This week delivered major shocks across the global economy.• Oil prices surged sharply amid escalating tensions in the Middle East• The latest jobs report came in negative, with nearly 100,000 jobs lost• The unemployment rate jumped higher• Stock markets fell sharply as investors reacted to the newsNow the big question is:What happens next?In this LIVE episode of The Rate Update, we’ll break down everything that happened this week and look ahead to what could move markets next.We’ll cover:• Mortgage rates and the housing market outlook• The impact of the jobs report and rising unemployment• Why oil prices are spiking and what that means for inflation• How the Federal Reserve may respond• What the bond market and 10-Year Treasury are signaling• Outlook for stocks, bonds, crypto, and mortgage rates next weekIf you're a homebuyer, homeowner, or real estate investor, understanding these market shifts is critical to making smarter financial decisions.Join us live and ask your questions in the chat.🔔 Start Here📈 RateWatch 2.0 — Get Notified When Mortgage Rates Hit Your Target👉 https://www.therateupdate.com/rate-watch📞 Schedule a Free Mortgage Strategy Call👉 https://calendly.com/d/cq29-7xd-x3v/the-frio-team?month=2025-05📝 Apply for a Mortgage — One Application • One Credit Pull • 30+ Lenders👉 https://257781.my1003app.com/246527/register🧮 TRU Mortgage Calculator Toolkit👉 https://friodan.gumroad.com/l/aejabsProfessional mortgage calculators used by loan officers, homebuyers, and investors:• Home Affordability Calculator• Refinance & Debt Consolidation Analyzer• Cost-of-Waiting™ Calculator• Break-Even & ROI Mortgage CalculatorAnalyze mortgage scenarios like a professional before making a financial decision.📺 Watch the Live Event👉 https://youtube.com/live/rFW9z07QC98📲 Follow The Rate UpdateYouTubehttps://www.youtube.com/@TheRateUpdatewithDanFrioInstagramhttps://instagram.com/therateupdateTikTokhttps://tiktok.com/@therateupdateFacebookhttps://facebook.com/therateupdateLinkedInhttps://www.linkedin.com/in/danfrio⚖️ Mortgage Compliance DisclosureDan Frio | NMLS #246527TRU Mortgage Team / PBT Bancorp | NMLS #257781Equal Housing LenderContent is for educational purposes only and should not be considered financial advice.

Welcome to The Rate Update with Dan Frio — where we break down mortgage rates, the housing market, inflation, and the economic data driving interest rates.In today’s LIVE event, we’re going deeper than the headlines. We’ll walk through the real financial tools you can use to prepare for buying a home, refinancing, or improving your financial position in 2026.We’ll analyze:• Mortgage rate trends and where rates may go next• Housing affordability and home price trends• Inflation, the Federal Reserve, and the bond market• The 10-Year Treasury and mortgage-backed securities (MBS)• Financial tools that can help you qualify for a homeDuring this live event I’ll also walk through several free tools and resources that can help you improve your financial situation before buying or refinancing.Our goal is simple:Help you understand the financial markets so you can make smarter mortgage decisions.🔔 Start Here📈 RateWatch 2.0 — Get Notified When Rates Hit Your Target👉 https://TheRateUpdate.com/ratewatch📞 Free Strategy Call👉 https://shorturl.at/SCIGL📝 Apply — One App • One Credit Pull • 30+ Lenders👉 https://257781.my1003app.com/246527/register🧮 Tools Mentioned in Today’s Live Event📊 Free Budget App (the one my family personally uses)👉 https://thebudget.app/#feature_section🏠 Mortgage Calculator Tool👉 https://housingbrief.com/mortgage-calculator/61e1a17d7c6605b46008b258💰 TRU Mortgage Calculator Toolkit (All Pro Tools)👉 https://friodan.gumroad.com/l/aejabs📊 Credit Scores & Financial Tools👉 https://creditscoresandmore.com/Real Estate Tax Look-Up https://smartasset.com/taxes/illinois-property-tax-calculator🧮 TRU Mortgage Calculator ToolkitIncludes tools like:• Home Affordability Calculator• Refinance & Debt Consolidation Analyzer• Cost-of-Waiting™ Calculator• Break-Even & ROI Calculator• Maximum Purchase Price Analysis👉 https://friodan.gumroad.com/l/aejabs📲 Follow The Rate UpdateYouTubehttps://www.youtube.com/@TheRateUpdatewithDanFrioInstagramhttps://instagram.com/therateupdateTikTokhttps://tiktok.com/@therateupdateFacebookhttps://facebook.com/therateupdateLinkedInhttps://www.linkedin.com/in/danfrio⚖️ ComplianceDan Frio | NMLS #246527Equal Housing Lender | TRU Mortgage Team / PBT Bancorp | NMLS #257781Educational purposes only. Not financial advice.

Welcome to The Rate Update with Dan Frio — where we break down mortgage rates, the housing market, inflation, and the economic data driving interest rates.In today’s LIVE event, we’re going deeper than the headlines. We’ll walk through the real financial tools you can use to prepare for buying a home, refinancing, or improving your financial position in 2026.We’ll analyze:• Mortgage rate trends and where rates may go next• Housing affordability and home price trends• Inflation, the Federal Reserve, and the bond market• The 10-Year Treasury and mortgage-backed securities (MBS)• Financial tools that can help you qualify for a homeDuring this live event I’ll also walk through several free tools and resources that can help you improve your financial situation before buying or refinancing.Our goal is simple:Help you understand the financial markets so you can make smarter mortgage decisions.🔔 Start Here📈 RateWatch 2.0 — Get Notified When Rates Hit Your Target👉 https://TheRateUpdate.com/ratewatch📞 Free Strategy Call👉 https://shorturl.at/SCIGL📝 Apply — One App • One Credit Pull • 30+ Lenders👉 https://257781.my1003app.com/246527/register🧮 Tools Mentioned in Today’s Live Event📊 Free Budget App (the one my family personally uses)👉 https://thebudget.app/#feature_section🏠 Mortgage Calculator Tool👉 https://housingbrief.com/mortgage-calculator/61e1a17d7c6605b46008b258💰 TRU Mortgage Calculator Toolkit (All Pro Tools)👉 https://friodan.gumroad.com/l/aejabs📊 Credit Scores & Financial Tools👉 https://creditscoresandmore.com/Real Estate Tax Look-Up https://smartasset.com/taxes/illinois-property-tax-calculator🧮 TRU Mortgage Calculator ToolkitIncludes tools like:• Home Affordability Calculator• Refinance & Debt Consolidation Analyzer• Cost-of-Waiting™ Calculator• Break-Even & ROI Calculator• Maximum Purchase Price Analysis👉 https://friodan.gumroad.com/l/aejabs📲 Follow The Rate UpdateYouTubehttps://www.youtube.com/@TheRateUpdatewithDanFrioInstagramhttps://instagram.com/therateupdateTikTokhttps://tiktok.com/@therateupdateFacebookhttps://facebook.com/therateupdateLinkedInhttps://www.linkedin.com/in/danfrio⚖️ ComplianceDan Frio | NMLS #246527Equal Housing Lender | TRU Mortgage Team / PBT Bancorp | NMLS #257781Educational purposes only. Not financial advice.

Welcome to The Rate Update with Dan Frio — where we break down mortgage rates, the housing market, inflation, and the economic data driving interest rates.In today’s LIVE event, we’re going deeper than the headlines. We’ll walk through the real financial tools you can use to prepare for buying a home, refinancing, or improving your financial position in 2026.We’ll analyze:• Mortgage rate trends and where rates may go next• Housing affordability and home price trends• Inflation, the Federal Reserve, and the bond market• The 10-Year Treasury and mortgage-backed securities (MBS)• Financial tools that can help you qualify for a homeDuring this live event I’ll also walk through several free tools and resources that can help you improve your financial situation before buying or refinancing.Our goal is simple:Help you understand the financial markets so you can make smarter mortgage decisions.🔔 Start Here📈 RateWatch 2.0 — Get Notified When Rates Hit Your Target👉 https://TheRateUpdate.com/ratewatch📞 Free Strategy Call👉 https://shorturl.at/SCIGL📝 Apply — One App • One Credit Pull • 30+ Lenders👉 https://257781.my1003app.com/246527/register🧮 Tools Mentioned in Today’s Live Event📊 Free Budget App (the one my family personally uses)👉 https://thebudget.app/#feature_section🏠 Mortgage Calculator Tool👉 https://housingbrief.com/mortgage-calculator/61e1a17d7c6605b46008b258💰 TRU Mortgage Calculator Toolkit (All Pro Tools)👉 https://friodan.gumroad.com/l/aejabs📊 Credit Scores & Financial Tools👉 https://creditscoresandmore.com/Real Estate Tax Look-Up https://smartasset.com/taxes/illinois-property-tax-calculator🧮 TRU Mortgage Calculator ToolkitIncludes tools like:• Home Affordability Calculator• Refinance & Debt Consolidation Analyzer• Cost-of-Waiting™ Calculator• Break-Even & ROI Calculator• Maximum Purchase Price Analysis👉 https://friodan.gumroad.com/l/aejabs📲 Follow The Rate UpdateYouTubehttps://www.youtube.com/@TheRateUpdatewithDanFrioInstagramhttps://instagram.com/therateupdateTikTokhttps://tiktok.com/@therateupdateFacebookhttps://facebook.com/therateupdateLinkedInhttps://www.linkedin.com/in/danfrio⚖️ ComplianceDan Frio | NMLS #246527Equal Housing Lender | TRU Mortgage Team / PBT Bancorp | NMLS #257781Educational purposes only. Not financial advice.

30-Year Mortgage Rates Just Hit a Critical Level — Should You Lock or Float?Mortgage markets are sending mixed signals right now.Oil prices are rising due to geopolitical tensions, which could push inflation higher, yet the U.S. jobs market remains strong, making it harder for the Federal Reserve to justify cutting interest rates.Meanwhile:• The 10-Year Treasury is moving • The MBS market is selling off • Mortgage rates are bouncing around key levelsSo the big question for homeowners and buyers is simple:Do you lock your rate now… or float and wait?In today’s video, I break down exactly what’s happening in the bond market, inflation data, and mortgage pricing so you can make the smartest move.If you're thinking about buying, refinancing, or just trying to understand where mortgage rates are heading next — this is the update you need.🔔 Start Here📈 RateWatch 2.0 — Get Notified When Rates Hit Your Target 👉 https://TheRateUpdate.com/ratewatch📞 Free Mortgage Strategy Call 👉 https://shorturl.at/SCIGL📝 Apply — One App • One Credit Pull • 30+ Lenders 👉 https://257781.my1003app.com/246527/register🧮 TRU Mortgage Calculator Toolkit (All Pro Tools in One Place) 👉 https://friodan.gumroad.com/l/aejabsTools Included:• Home Affordability Calculator • Refinance & Debt Consolidation Analyzer • Cost-of-Waiting™ Calculator • Break-Even & ROI Mortgage Calculator📲 Follow The Rate UpdateYouTube https://www.youtube.com/@TheRateUpdatewithDanFrioInstagram https://instagram.com/therateupdateTikTok https://tiktok.com/@therateupdateFacebook https://facebook.com/therateupdateLinkedIn https://www.linkedin.com/in/danfrio⏱ Chapters0:00 Mortgage Rates Hit a Critical Level 0:38 Oil Prices and Inflation Risk 1:35 How War Impacts Mortgage Rates 2:30 Strong Jobs Market Complicates Fed Policy 3:40 Why the Fed May Delay Rate Cuts 4:50 What’s Happening in the Bond Market 5:50 10-Year Treasury and Mortgage Rates 6:50 MBS Market Selling Off 7:45 Lock vs Float Strategy Right Now 8:40 What Homebuyers Should Do Next⚖️ Compliance Dan Frio | NMLS #246527 Equal Housing Lender | TRU Mortgage Team / PBT Bancorp | NMLS #257781Educational purposes only. Not financial advice.

Mortgage rates aren’t just moving… they’re skyrocketing — and today we break down why this is happening right now:• Stock markets plunged• Geopolitical unrest (Middle East + Iran risks)• Inflation pressures still lingering• MBS & Treasury yields jumping• What you should do now if you’re buying or refinancingWe follow the data — not the headlines — and show you exactly how markets are reacting in real time.🔔 WATCH NEXTIf you want timely alerts when rates hit your target, check out:👉 https://TheRateUpdate.com/ratewatch📈 REAL RATE GUIDANCE + TOOLSApply with 30+ lenders — one application, one credit pull:👉 https://257781.my1003app.com/246527/registerFree Strategy Call (Live)👉 https://shorturl.at/SCIGLTRU Mortgage Calculator ToolkitAll pro mortgage tools in one place:👉 https://friodan.gumroad.com/l/aejabsIncludes:• Home Affordability Calculator• Refi vs. Debt Consolidation• Cost-of-Waiting™• Break-Even & ROI Calculator📱 FOLLOW THE RATE UPDATEYouTube: https://www.youtube.com/@TheRateUpdatewithDanFrioInstagram: https://instagram.com/therateupdateTikTok: https://tiktok.com/@therateupdateFacebook: https://facebook.com/therateupdateLinkedIn: https://www.linkedin.com/in/danfrio⚖️ COMPLIANCEDan Frio | NMLS #246527Equal Housing Lender | TRU Mortgage Team / PBT Bancorp | NMLS #257781Educational purposes only. Not financial advice.⏱ VIDEO CHAPTERS00:00 — Intro: Rates SUDDENLY Jump00:25 — Stock Market Plunge Impact01:10 — 10-Year Treasury Yield Move02:05 — Iran / Geopolitical Conflict & Markets03:15 — Inflation, CPI & Rate Expectations04:00 — MBS & Spread Behavior Explained05:10 — Lock vs Float: Data-Driven Guidance06:00 — Where Investors Are Moving Money07:00 — What This Means for YOU08:20 — TL;DR Summary + Takeaways08:50 — Call To Action & Tools

Middle East escalation. Oil surging. Inflation fears reigniting. And mortgage rates are jumping.Today we break down:• Why conflict involving Iran is sending oil prices higher • How rising oil feeds directly into inflation expectations • Why the bond market is selling off instead of rallying • What this means for the 10-Year Treasury • And how all of it impacts YOUR mortgage rateNormally, geopolitical conflict pushes investors into bonds — which lowers mortgage rates.That’s not happening.Instead, the market is pricing in higher inflation risk, fewer Fed cuts, and longer-lasting rate pressure.If oil stays elevated, inflation could reaccelerate. If inflation reaccelerates, mortgage rates don’t fall.We’ll walk through exactly what needs to happen next for rates to stabilize — or drop.Transparent. Data-driven. No hype.🔔 Start Here 📈 RateWatch 2.0 — Get Notified When Rates Hit Your Target👉 https://TheRateUpdate.com/ratewatch📞 Free Strategy Call👉 https://shorturl.at/SCIGL📝 Apply — One App • One Credit Pull • 30+ Lenders👉 https://257781.my1003app.com/246527/register🧮 TRU Mortgage Calculator Toolkit (All Pro Tools in One Place)👉 https://friodan.gumroad.com/l/aejabsIncludes: • Home Affordability • Refinance & Debt Consolidation • Cost-of-Waiting™ • Break-Even & ROI Calculator📊 About The Rate Update Every day, we pull real pricing from 30+ lenders and show you exactly what you qualify for — plus lock vs. float guidance tied to:• CPI • Jobs reports • MBS pricing • 10-Year Treasury movementsNo guessing. No hype. Just data.📲 Follow The Rate UpdateYouTube: https://www.youtube.com/@TheRateUpdatewithDanFrio Instagram: https://instagram.com/therateupdate TikTok: https://tiktok.com/@therateupdate Facebook: https://facebook.com/therateupdate LinkedIn: https://www.linkedin.com/in/danfrio⏱️ CHAPTERS00:00 Middle East Escalation & Market Shock 00:45 Why Oil Is Spiking Right Now 01:50 How Oil Impacts Inflation 03:00 Producer Inflation (PPI) Surprise 04:05 Why Bonds Are Selling Off 05:15 10-Year Treasury Breakdown 06:20 Why Mortgage Rates Are Rising 07:30 Inflation vs Recession — What the Market Is Pricing 08:45 What Needs to Happen for Rates to Fall 09:35 Lock vs Float Strategy Right Now⚖️ ComplianceDan Frio | NMLS #246527 Equal Housing Lender | TRU Mortgage Team / PBT Bancorp | NMLS #257781 This content is for educational purposes only and is not financial advice.

Strong jobs. Cooling inflation. Stocks rallying.So why aren’t mortgage rates falling?In this video, we break down why a healthy economy actually reduces the likelihood of Federal Reserve rate cuts — and how that directly impacts mortgage rates.We’ll cover:• What the latest Jobs report signals • Why inflation cooling isn’t the same as inflation collapsing • How the 10-Year Treasury is reacting • Why “no recession” = no emergency rate cuts • What this means for homebuyers waiting on 5% ratesThe bond market doesn’t move on headlines — it moves on expectations.If the economy remains stable, mortgage rates may not drop the way many are hoping.Let’s walk through the data.

President Donald Trump just delivered the State of the Union — and markets are reacting.So what does this mean for mortgage rates?Should you LOCK now… or FLOAT and risk it?Today we break down:• Inflation expectations• The 10-Year Treasury reaction• MBS pricing movement• Federal Reserve implications• What this means for YOUR mortgage strategyIf you’re buying, refinancing, or waiting for lower rates — this is the strategy session you don’t want to miss.Every day, we pull real pricing from 30+ lenders and show you exactly what you qualify for — plus lock vs. float guidance tied directly to CPI, Jobs data, MBS spreads & the 10-Year Treasury.Transparent. Data-driven. No hype.🔔 Start Here📈 RateWatch 2.0 — Get Notified When Rates Hit Your Target👉 https://TheRateUpdate.com/ratewatch📞 Free Strategy Call👉 https://shorturl.at/SCIGL📝 Apply — One App • One Credit Pull • 30+ Lenders👉 https://257781.my1003app.com/246527/register🧮 TRU Mortgage Calculator Toolkit (All Pro Tools in One Place)👉 https://friodan.gumroad.com/l/aejabs• Home Affordability• Refinance & Debt Consolidation• Cost-of-Waiting™• Break-Even & ROI Calculator📲 Follow The Rate UpdateYouTube: https://www.youtube.com/@TheRateUpdatewithDanFrioInstagram: https://instagram.com/therateupdateTikTok: https://tiktok.com/@therateupdateFacebook: https://facebook.com/therateupdateLinkedIn: https://www.linkedin.com/in/danfrio⚖️ ComplianceDan Frio | NMLS #246527Equal Housing Lender | TRU Mortgage Team / PBT Bancorp | NMLS #257781For educational purposes only. Not financial advice.

Mortgage rates just dropped to 5.99% — the lowest level in nearly three years.HOME.COM Article https://www.homes.com/news/daily-mortgage-rates-dip-to-5-99/1356105419/But here’s the twist:The Federal Reserve says no rate cuts are coming because inflation is still too high.President Donald Trump is calling for rate cuts.Inflation remains sticky.Tariffs are creating uncertainty.The Supreme Court just struck down major trade policy.The jobs market is sending mixed signals.Bond markets are reacting.So how are mortgage rates falling without a Fed cut?In this episode, we break down:• Why mortgage rates follow the bond market — not the Fed Funds Rate• What’s happening with the 10-Year Treasury• How inflation expectations are driving mortgage pricing• Whether 5.99% can last• What this means for buyers, refinancers, and homeownersThis is the disconnect nobody is explaining clearly.Every day, we pull real pricing from 30+ lenders and show you exactly what you qualify for — plus lock vs. float guidance tied to CPI, Jobs, MBS & the 10-Year Treasury.Transparent. Data-driven. No hype.🔔 Start Here📈 RateWatch 2.0 — Get Notified When Rates Hit Your Target👉 https://TheRateUpdate.com/ratewatch📞 Free Strategy Call👉 https://shorturl.at/SCIGL📝 Apply — One App • One Credit Pull • 30+ Lenders👉 https://257781.my1003app.com/246527/register🧮 TRU Mortgage Calculator Toolkit (All Pro Tools in One Place)👉 https://friodan.gumroad.com/l/aejabs• Home Affordability• Refinance & Debt Consolidation• Cost-of-Waiting™• Break-Even & ROI Calculator📲 Follow The Rate UpdateYouTube: https://www.youtube.com/@TheRateUpdatewithDanFrioInstagram: https://instagram.com/therateupdateTikTok: https://tiktok.com/@therateupdateFacebook: https://facebook.com/therateupdateLinkedIn: https://www.linkedin.com/in/danfrio0:00 – Intro0:45 – Key mortgage rate update1:30 – Expert commentary…⚖️ ComplianceDan Frio | NMLS #246527Equal Housing Lender | TRU Mortgage Team / PBT Bancorp | NMLS #257781Educational purposes only. Not financial advice.